I filled bankruptcy in December of last year and in doing so all of my creditors stopped reporting to the three (3) major credit bureausOnce my bankruptcy case was completed and all creditors were discharged, except those that I reaffirmed were to start reporting to the afore mentioned credit bureausHowever, Chase Mortgage, even though I reaffirmed the willingness to repay never started reportingI contacted Chase on several occasions leading up to the discharge, but they not once said they had not received the reaffirmation contractIn September 2017, I suggested having my attorney contact them, and was told that they sent the reaffirmation contract to my attorney, but never received itI was told by one of their representative that they received the discharge notice, but not the reaffirmation contract On September 8, 2017, I went to my attorney office and we contacted Chase to re-request the reaffirmation contract, and we got the run-aroundThe representative we spoke with
My home equity line of credit LOC was suspended at Chase Bank per letter I received indicating that there was something on my credit report After going to the bank on 06/12/and meeting with Brandon H [redacted] I was told that it had to do with my mortgage Brandon said he would look into this and get back to me which he did not do On 06/21/I called and spoke with Brandon and he said I needed to get a free credit report from the internet and fax it to Chase to review Upon trying to obtain this free credit report I got locked out of the site because it did not like one of my answers to their questions and they said to call and get a report mailed to me After doing this the person on the phone said it would take days for processing and then to weeks before it would be sent out I have already reviewed my credit reports via Credit Karma and there is nothing wrong with them I should not have to obtain this report for Chase and they should not be able to arbitrarily allo
Florida was struck by Hurricane Irma, I was in the direct path which lead to distruction of my property. I spoke to chase between the months of September and January their CS reps are not all on the same page. I spoke to CS reps who said that I wouldn't have to make a mortgage payment until December but would have to pay all payments, which made absolutly no sense b/c if im trying to repair the property where am I going to get the funds to make all payment, this was about 4 phone conversations with several reps. I then spoke to a Disaster Recover CS who said that I was provided false information, and that there is a forbearnce period which would end Feburaty 28th of 2018 and at that point I would need to make my payment in March 2018 and the remaining payments would either be tacked to the end of the mortgage or I could do a balloon payment, my choice. He said that a forbearnce letter was sent out and it does read that I would need to make all payments in December but that was miss lea
I hope your dept can help me or direct me further with regard to filing a complaint I have been approved for a mortgage modification for my FHA loan with Chase and made two trial payments on time and sent back the signed acceptance agreement postmarked by June 30, as requested by my mortgage "specialist" with Chase and now I just find out that it has been "closed" because they're claiming they didn't receive the signed acceptance forms by the due dateI have a tracking number and delivery confirmation from USPS that proves it was delivered to the address Chase provided to me for these documents at 9:am on July 1, and signed for by Chase employee EG [redacted] How can a mortgage company be allowed to get away with this? I did everything they asked all while caring for two children, a disable husband and traveling back and forth out of town helping family caring for a dying relativeThis has impacted my income and I am struggling to pay for the loan and was one pa
Chase Bank is saying on the phone that we owe them $dollars but can not tell me whyWe have in paper work from their lawyers that we owe no more money and everything is back to our regular monthly paymentswhen I called to make a payment chase bank said I was all caught up and owed no back paymentsWhen I called them today 2/17/ however the representative told me I still owed $dollars so I asked to speak to a manger n he disconnected me I called back and spoke to another representative who's name is Nathan he said No Mr [redacted] you do not owe $ so he connected me to chase care center and I spoke to a Janelle who was very nasty and told me that I do owe $dollars she then connected me to someone else who could not tell me why this is happening or where this was coming fromEvery time I call I get someone different and know can give me any straight answers because know one seems to know what is going onI have asked several times to speak to a m
It has been a nightmareI've had mortgages with [redacted] and [redacted] in the pastNo problemsChase's customer service is horrible, and they move very slowlyI have ten days until my lorate expiresThey have had all necessary documents for several monthsThey are still not signed off on the mortgage, and I may lose my lorate, as none of the lawyers will commit 100% to a date until the bank signs offAnd since it is a weekend, and the following Monday is a holiday, there are only five business days leftJust horribleRegardless of how nice the mortgage banker is, I would avoid Chase at all costs because the people in Ohio working on the files do not care
Chase mortgage loan process and denial detailed below by priority Loan modification date recorded of 8/1/per Chase policy restricted me from refinancing and/or requesting any Chase loan for yearsMy loan application for #was dated 6/17/violated this restriction Dispute as discussed with Suha O [redacted] - Loan modification was discussed in length with Benjamen R [redacted] prior to receiving pre-approval on 5/I re-iterated to double check as I wanted to make sure that this will not be an issue for denialI was assured that this was within policy thus I receive a pre-approval of $900KThe loan amount was then changed to $850K based on new credit score in the middle of June - After reviewing the modification the was three years of restrictionThe loan MUST NOT be in default which was defined as months behind on payments or the modification becomes null and void - I requested for documentation to support the 4yr Chase policyChase stated that this
I issued a claim through my insurance company for hail damage on my windows of my house that happened on June 9, I submitted all of the appropriate forms by following the process to the letterMy homeowners insurance which is [redacted] issued me a check for the cost of the damagesAs required, I sent the check to Chase Mortgage in the amount of $10,and they sent me a partial amount of the money back to me in the amount of Chase told me that I would receive the remaining balance of $after they processed the formsIt is now Setember and have yet to receive that remaining checkOver the last months I've called to check on the status of the claim and they claimed they didin't recieve all the formsFirst I sent them by certified mail, then I faxed them in twiceThen after calling Chase's insurance claims deptagain, I uploaded them onto their insurance claims website which they confirmed they had received everythingLast week I had my claims
I sent a early payment in November since they sent me a statement. Chase bought my loan from ***. Chase sent my payment to [redacted] but it took me two weeks and speaking to four different customer service reps to find this out. [redacted] didn't have record of this payment. I had to cut another check to [redacted] for November. [redacted] finds the check the first week of January and sends the check back to Chase. I have proff of Chase signing for the check. I received a letter from Chase stating they needed more information. Said my telephone number wasn't correct but when I call in the computer knows my number. The phone number on the letter is ###-###-####. I have called every week for four weeks. I call every Monday. No return phone calls. I have requested my payment back since they cashed my check. The total is over 1200.00 dollars. No action from Chase and now not returning calls.
at closing we had advised Chase of an automatic payment being sent in from [redacted] the Chase agent did not show the payment as having arrived yetthey advised that in order to close that day, we could stop payment on our electronic payment and proceed with closing with the current amount owed, excluding the payment in transitwe all agreed that this would work we contacted [redacted] and successfully cancelled the payment in transitabout a month later, Chase sends us a letter stating they did not receive our last payment (the one that we were told to cancel) and that they were not refunding our escrow money of $until we paid the last payment the loan was closed there are no payments due how can Chase be attempting to collect more money on a closed loan? are they able to hold money from an escrow account to pay towards a loan that was closed?
Chase Finance has been deceptive and uncooperative throughout our many years in using this home loan provider This problem started with a home loan refinance, we were assured the PMI cycle would NOT be reset as we were nearly complete in meeting the 20% equity requirement We were deceived and the PMI started over, since the refinance we have been calling and calling Chase with zero assistance in removing the PMI This has been going on for nearly years since the refinance, Chase does not return our calls or fails to follow through with any attempt of something resembling customer serviceTaking advantage of a military family is not appreciated and nor should it be tolerated as a means of conducting business
Our next option is filing an FTC complaint so we can gain some Federal oversight and assistance with this problem
Received a letter for a streamline refinance and pursued itI was approved and upon closing, paperwork was incorrect and I was also not told to bring anything to closingAgent stated me emailed me that info but he did notI have reached out many times since then to see what the next step is to Travis L***, Terry W*** and Michael G*** and the will not return my emails/calls/voicemailsThe customer service has been horrible
I requested that my PMI be removed in February and was told I would need to pay $fee for a BROKER PRICE OPINION to be performed on my property in order to get the current value of the homeOnce the BROKER PRICE OPINION was completed it showed that my loan to value was at 71% way under the 80% required to remove the PMI and Chase then refused to remove the PMIAfter filing a complaint and mgoing back and forth on multiple calls Chase told me they would reach out to the company and verify the upgrades to my home were missed on the BPOChase agreed and once verified the upgrades to the home were missed on the BPO Chase agreed to removed the PMI but then shortly afterward fraudulently billed me a $fee for another BPO on top of the $BROKER PRICE OPINION COST I was already charged and paid for on 02/22/I called and opened a case regarding this fee and ended up with no explanation and letter billing me the fraudulent $fee stating I needed to pay it?
I applied for a refinance with Chase Mortgage on 4/27/Nearly months later, there has been no sign of my closingThe first loan locked date was 7/26/and then that date was changed to 8/25/The origination fees had increased due to no fault of my ownI complied with all of Chase's requests for financial informationI even had a new roof put on my homeThen week ago they asked me for recent paystubs because the original ones I submitted were old due to their incompetenceThey have strung me a long for months and on top of that I had to pay a fee of $upfront to start the processIn the beginning I was receiving weekly phone updates but that stopped about weeks ago because they probably knew that I would be asking about the statusThe last phone call I received was from MsPaula D*** my loan officer, who said that the my loan was still in underwriting
I have a terrible experience when I applied for mortgage in Chase
I bought a houseWhen I shopped around the rate, Chase persuaded me to switch from *** *** because they said they could match the rate of *** *** Then I locked the rate 3.5% ,years fixed, 0.25% points from Mar to May I confirmed with Chase: the rate is 3.5% and the points is 0.25% if I close before or on May
Then I submitted all the documents quicklyIn order to close on or before May 22, I followed up my mortgage process During this period, Chase answered less than 30% emailsUsually, they just ignored the email and phoneOnly when I cc the emails to the supervisors, they replied some the emailsSometimes, I emailed them times to follow upNo replyThey just ignored
More terribly, At the middle of April, Chase told me my credit report expired and they need to repull my creditAfter repulling, my credit score and my husband's score dropped points
I made a payment to my Chase mortgage account *** to the address on record electronically through my *** ** *** accountThis is how I always payI have never had an issue paying since the inception of the loan and I've had every payment on time and in good standing
The month of November payment was not accepted due to a banking error on the side of Chase according to *** ** *** - however the funds were available, but Chase did not accept the online bill pay - but NO error message was generated back to *** ** ***, so there was no way for the bank or me to know that Chase's system did not accept the paymentIt wasn't until days later did I learn of this while going to make my December payment This means I had no warning that no payment was received and gave me no heads up before I incurred a $late fee and an 'unpaid' day mark on my credit report! This is a complete breakdown of customer serviceI called and their terrible offshore services t
I refinanced with Chase Mortgage Refinance in March to lower my house note The process started in November and did not end until March, but that is another issue all together I emailed Chase my insurance information and went over the insurance cost no less then times Less then months later I receive and escrow adjustment statement in the mail stating that my house note was going up $dollars and I was $short in my escrow account When I called to see what was going on, I continually got the run around I was told the increase we be put on hold until everything was worked out After doing research, they were using the wrong flood insurance amount for the refinance, and at the closing, they used the wrong home owners amount A few days later the increase in payment went up, even though they said it was going to be put on hold After multiple phones calls, they finally corrected the escrow to reflect the correct flood insurance amount After this correction, my ho
Chase issued a 1099C for a short sale of an old primary residence of my ex husband and mine that was sold in in the year of I never received the 1099C in due to it being sent to a former address As a result the IRS audited me and is now penalizing me for not filing the 1099C on my tax returns In addition, I am no longer in contact with my ex husband and the IRS is coming after me for this and not my ex husband I have tried numerous times to contact Chase in regard to this matter and they have been unsuccessful in providing me documentation I have requested (mainly the short sale agreement from 2009) I have sent letters on different occasions to them requesting the 1099C to be reissued for the year not 2016, as this is the year the short sale occurredI have not received any correspondence from Chase at this time regarding this frustrating matter My first correspondance to Chase was on May 29, and the second was September 6, Time is of
This was absolutely the worst mortgage experience everI have purchased and refinanced 20+ houses and this is the worst ever They are the slowest at processing loans and after months of waiting after I was approved, they never did get my refi done I had to go elsewhere after waiting months The worst part is I had the loan originally with Chase and thought it would be an easy process to do a simple cash out refi, Well totally opposite unfortunately I would recommend shopping elsewhere and using a different mortgage company unless you are in no rush
In April 2017, Chase Mortgage used the monies in our escrow account to complete our mortgage I only just now found out that Chase, who was supposed to be taking care of our insurance premium and county taxes, did not pay our taxes (which had been due December 31, 2016) leaving us, without any knowledge, in arrears This resulted in our property being placed in a lien sale It was Chase' RESPONSIBILITY to pay our taxes while holding our mortgage They didn't even give us the courtesy of letting us know the payment had not happened And now, I have to clean up a very expensive mess and could have lost ownership of our house as a result!!
I filled bankruptcy in December of last year and in doing so all of my creditors stopped reporting to the three (3) major credit bureausOnce my bankruptcy case was completed and all creditors were discharged, except those that I reaffirmed were to start reporting to the afore mentioned credit bureausHowever, Chase Mortgage, even though I reaffirmed the willingness to repay never started reportingI contacted Chase on several occasions leading up to the discharge, but they not once said they had not received the reaffirmation contractIn September 2017, I suggested having my attorney contact them, and was told that they sent the reaffirmation contract to my attorney, but never received itI was told by one of their representative that they received the discharge notice, but not the reaffirmation contract On September 8, 2017, I went to my attorney office and we contacted Chase to re-request the reaffirmation contract, and we got the run-aroundThe representative we spoke with
My home equity line of credit LOC was suspended at Chase Bank per letter I received indicating that there was something on my credit report After going to the bank on 06/12/and meeting with Brandon H [redacted] I was told that it had to do with my mortgage Brandon said he would look into this and get back to me which he did not do On 06/21/I called and spoke with Brandon and he said I needed to get a free credit report from the internet and fax it to Chase to review Upon trying to obtain this free credit report I got locked out of the site because it did not like one of my answers to their questions and they said to call and get a report mailed to me After doing this the person on the phone said it would take days for processing and then to weeks before it would be sent out I have already reviewed my credit reports via Credit Karma and there is nothing wrong with them I should not have to obtain this report for Chase and they should not be able to arbitrarily allo
Florida was struck by Hurricane Irma, I was in the direct path which lead to distruction of my property. I spoke to chase between the months of September and January their CS reps are not all on the same page. I spoke to CS reps who said that I wouldn't have to make a mortgage payment until December but would have to pay all payments, which made absolutly no sense b/c if im trying to repair the property where am I going to get the funds to make all payment, this was about 4 phone conversations with several reps. I then spoke to a Disaster Recover CS who said that I was provided false information, and that there is a forbearnce period which would end Feburaty 28th of 2018 and at that point I would need to make my payment in March 2018 and the remaining payments would either be tacked to the end of the mortgage or I could do a balloon payment, my choice. He said that a forbearnce letter was sent out and it does read that I would need to make all payments in December but that was miss lea
I hope your dept can help me or direct me further with regard to filing a complaint I have been approved for a mortgage modification for my FHA loan with Chase and made two trial payments on time and sent back the signed acceptance agreement postmarked by June 30, as requested by my mortgage "specialist" with Chase and now I just find out that it has been "closed" because they're claiming they didn't receive the signed acceptance forms by the due dateI have a tracking number and delivery confirmation from USPS that proves it was delivered to the address Chase provided to me for these documents at 9:am on July 1, and signed for by Chase employee EG [redacted] How can a mortgage company be allowed to get away with this? I did everything they asked all while caring for two children, a disable husband and traveling back and forth out of town helping family caring for a dying relativeThis has impacted my income and I am struggling to pay for the loan and was one pa
Chase Bank is saying on the phone that we owe them $dollars but can not tell me whyWe have in paper work from their lawyers that we owe no more money and everything is back to our regular monthly paymentswhen I called to make a payment chase bank said I was all caught up and owed no back paymentsWhen I called them today 2/17/ however the representative told me I still owed $dollars so I asked to speak to a manger n he disconnected me I called back and spoke to another representative who's name is Nathan he said No Mr [redacted] you do not owe $ so he connected me to chase care center and I spoke to a Janelle who was very nasty and told me that I do owe $dollars she then connected me to someone else who could not tell me why this is happening or where this was coming fromEvery time I call I get someone different and know can give me any straight answers because know one seems to know what is going onI have asked several times to speak to a m
It has been a nightmareI've had mortgages with [redacted] and [redacted] in the pastNo problemsChase's customer service is horrible, and they move very slowlyI have ten days until my lorate expiresThey have had all necessary documents for several monthsThey are still not signed off on the mortgage, and I may lose my lorate, as none of the lawyers will commit 100% to a date until the bank signs offAnd since it is a weekend, and the following Monday is a holiday, there are only five business days leftJust horribleRegardless of how nice the mortgage banker is, I would avoid Chase at all costs because the people in Ohio working on the files do not care
Chase mortgage loan process and denial detailed below by priority Loan modification date recorded of 8/1/per Chase policy restricted me from refinancing and/or requesting any Chase loan for yearsMy loan application for #was dated 6/17/violated this restriction Dispute as discussed with Suha O [redacted] - Loan modification was discussed in length with Benjamen R [redacted] prior to receiving pre-approval on 5/I re-iterated to double check as I wanted to make sure that this will not be an issue for denialI was assured that this was within policy thus I receive a pre-approval of $900KThe loan amount was then changed to $850K based on new credit score in the middle of June - After reviewing the modification the was three years of restrictionThe loan MUST NOT be in default which was defined as months behind on payments or the modification becomes null and void - I requested for documentation to support the 4yr Chase policyChase stated that this
I issued a claim through my insurance company for hail damage on my windows of my house that happened on June 9, I submitted all of the appropriate forms by following the process to the letterMy homeowners insurance which is [redacted] issued me a check for the cost of the damagesAs required, I sent the check to Chase Mortgage in the amount of $10,and they sent me a partial amount of the money back to me in the amount of Chase told me that I would receive the remaining balance of $after they processed the formsIt is now Setember and have yet to receive that remaining checkOver the last months I've called to check on the status of the claim and they claimed they didin't recieve all the formsFirst I sent them by certified mail, then I faxed them in twiceThen after calling Chase's insurance claims deptagain, I uploaded them onto their insurance claims website which they confirmed they had received everythingLast week I had my claims
I sent a early payment in November since they sent me a statement. Chase bought my loan from ***. Chase sent my payment to [redacted] but it took me two weeks and speaking to four different customer service reps to find this out. [redacted] didn't have record of this payment. I had to cut another check to [redacted] for November. [redacted] finds the check the first week of January and sends the check back to Chase. I have proff of Chase signing for the check. I received a letter from Chase stating they needed more information. Said my telephone number wasn't correct but when I call in the computer knows my number. The phone number on the letter is ###-###-####. I have called every week for four weeks. I call every Monday. No return phone calls. I have requested my payment back since they cashed my check. The total is over 1200.00 dollars. No action from Chase and now not returning calls.
at closing we had advised Chase of an automatic payment being sent in from [redacted] the Chase agent did not show the payment as having arrived yetthey advised that in order to close that day, we could stop payment on our electronic payment and proceed with closing with the current amount owed, excluding the payment in transitwe all agreed that this would work we contacted [redacted] and successfully cancelled the payment in transitabout a month later, Chase sends us a letter stating they did not receive our last payment (the one that we were told to cancel) and that they were not refunding our escrow money of $until we paid the last payment the loan was closed there are no payments due how can Chase be attempting to collect more money on a closed loan? are they able to hold money from an escrow account to pay towards a loan that was closed?
Chase Finance has been deceptive and uncooperative throughout our many years in using this home loan provider This problem started with a home loan refinance, we were assured the PMI cycle would NOT be reset as we were nearly complete in meeting the 20% equity requirement We were deceived and the PMI started over, since the refinance we have been calling and calling Chase with zero assistance in removing the PMI This has been going on for nearly years since the refinance, Chase does not return our calls or fails to follow through with any attempt of something resembling customer serviceTaking advantage of a military family is not appreciated and nor should it be tolerated as a means of conducting business
Our next option is filing an FTC complaint so we can gain some Federal oversight and assistance with this problem
Received a letter for a streamline refinance and pursued itI was approved and upon closing, paperwork was incorrect and I was also not told to bring anything to closingAgent stated me emailed me that info but he did notI have reached out many times since then to see what the next step is to Travis L***, Terry W*** and Michael G*** and the will not return my emails/calls/voicemailsThe customer service has been horrible
I requested that my PMI be removed in February and was told I would need to pay $fee for a BROKER PRICE OPINION to be performed on my property in order to get the current value of the homeOnce the BROKER PRICE OPINION was completed it showed that my loan to value was at 71% way under the 80% required to remove the PMI and Chase then refused to remove the PMIAfter filing a complaint and mgoing back and forth on multiple calls Chase told me they would reach out to the company and verify the upgrades to my home were missed on the BPOChase agreed and once verified the upgrades to the home were missed on the BPO Chase agreed to removed the PMI but then shortly afterward fraudulently billed me a $fee for another BPO on top of the $BROKER PRICE OPINION COST I was already charged and paid for on 02/22/I called and opened a case regarding this fee and ended up with no explanation and letter billing me the fraudulent $fee stating I needed to pay it?
I applied for a refinance with Chase Mortgage on 4/27/Nearly months later, there has been no sign of my closingThe first loan locked date was 7/26/and then that date was changed to 8/25/The origination fees had increased due to no fault of my ownI complied with all of Chase's requests for financial informationI even had a new roof put on my homeThen week ago they asked me for recent paystubs because the original ones I submitted were old due to their incompetenceThey have strung me a long for months and on top of that I had to pay a fee of $upfront to start the processIn the beginning I was receiving weekly phone updates but that stopped about weeks ago because they probably knew that I would be asking about the statusThe last phone call I received was from MsPaula D*** my loan officer, who said that the my loan was still in underwriting
I have a terrible experience when I applied for mortgage in Chase
I bought a houseWhen I shopped around the rate, Chase persuaded me to switch from *** *** because they said they could match the rate of *** *** Then I locked the rate 3.5% ,years fixed, 0.25% points from Mar to May I confirmed with Chase: the rate is 3.5% and the points is 0.25% if I close before or on May
Then I submitted all the documents quicklyIn order to close on or before May 22, I followed up my mortgage process During this period, Chase answered less than 30% emailsUsually, they just ignored the email and phoneOnly when I cc the emails to the supervisors, they replied some the emailsSometimes, I emailed them times to follow upNo replyThey just ignored
More terribly, At the middle of April, Chase told me my credit report expired and they need to repull my creditAfter repulling, my credit score and my husband's score dropped points
I made a payment to my Chase mortgage account *** to the address on record electronically through my *** ** *** accountThis is how I always payI have never had an issue paying since the inception of the loan and I've had every payment on time and in good standing
The month of November payment was not accepted due to a banking error on the side of Chase according to *** ** *** - however the funds were available, but Chase did not accept the online bill pay - but NO error message was generated back to *** ** ***, so there was no way for the bank or me to know that Chase's system did not accept the paymentIt wasn't until days later did I learn of this while going to make my December payment This means I had no warning that no payment was received and gave me no heads up before I incurred a $late fee and an 'unpaid' day mark on my credit report! This is a complete breakdown of customer serviceI called and their terrible offshore services t
I refinanced with Chase Mortgage Refinance in March to lower my house note The process started in November and did not end until March, but that is another issue all together I emailed Chase my insurance information and went over the insurance cost no less then times Less then months later I receive and escrow adjustment statement in the mail stating that my house note was going up $dollars and I was $short in my escrow account When I called to see what was going on, I continually got the run around I was told the increase we be put on hold until everything was worked out After doing research, they were using the wrong flood insurance amount for the refinance, and at the closing, they used the wrong home owners amount A few days later the increase in payment went up, even though they said it was going to be put on hold After multiple phones calls, they finally corrected the escrow to reflect the correct flood insurance amount After this correction, my ho
Chase issued a 1099C for a short sale of an old primary residence of my ex husband and mine that was sold in in the year of I never received the 1099C in due to it being sent to a former address As a result the IRS audited me and is now penalizing me for not filing the 1099C on my tax returns In addition, I am no longer in contact with my ex husband and the IRS is coming after me for this and not my ex husband I have tried numerous times to contact Chase in regard to this matter and they have been unsuccessful in providing me documentation I have requested (mainly the short sale agreement from 2009) I have sent letters on different occasions to them requesting the 1099C to be reissued for the year not 2016, as this is the year the short sale occurredI have not received any correspondence from Chase at this time regarding this frustrating matter My first correspondance to Chase was on May 29, and the second was September 6, Time is of
This was absolutely the worst mortgage experience everI have purchased and refinanced 20+ houses and this is the worst ever They are the slowest at processing loans and after months of waiting after I was approved, they never did get my refi done I had to go elsewhere after waiting months The worst part is I had the loan originally with Chase and thought it would be an easy process to do a simple cash out refi, Well totally opposite unfortunately I would recommend shopping elsewhere and using a different mortgage company unless you are in no rush
In April 2017, Chase Mortgage used the monies in our escrow account to complete our mortgage I only just now found out that Chase, who was supposed to be taking care of our insurance premium and county taxes, did not pay our taxes (which had been due December 31, 2016) leaving us, without any knowledge, in arrears This resulted in our property being placed in a lien sale It was Chase' RESPONSIBILITY to pay our taxes while holding our mortgage They didn't even give us the courtesy of letting us know the payment had not happened And now, I have to clean up a very expensive mess and could have lost ownership of our house as a result!!