Union Home Mortgage Corp.

In response to the complaint that the Revdex.com received from the insurance company regarding Mr [redacted] ’s loan we wanted to clarify a few misconceptions We do not ever require a consumer to choose one particular insurance company over another In fact, one of the disclosures that the consumer signs with us is that they are required to provide proof of insurance at closing but in no way does it state from a particular insurance company In this case the consumer was having difficulty getting insurance to us therefore we informed the consumer that without proof of insurance we would not be able to close the loan on the date listed on the purchase agreement We faxed over the mortgagee change request to the number we were provided but was unable to obtain confirmation as to when this would be processed/changedWe had a contract date and an expiring interest rate the same day to contend withWe were unable to obtain our Clear to Close until we obtained the correct mortgagee clauseAt this point we reached out to Mr [redacted] and explained the situation that there was the possibility that we would need to obtain a contract extension and extend the interest rate if we did not receive the documentation in a timely manner We reminded Mr [redacted] again that we would need this information prior to close and it must have been at this point that the consumer decided to go with a different insurance company Michael J [redacted] t: [redacted] f: [redacted]

(The following was copy/paste by Revdex.com staff - LST)***From: [redacted] Date: Wed, Jan 24, at 4:PMSubject: Complaint [redacted] To: " [redacted] ID [redacted] Good Afternoon MrT [redacted] Please be advised that our servicing area is in need of additional time to complete the corrections required for MrR [redacted] ’s mortgage loan While the corrections are being made our servicing area is currently drafting a response letter We are asking your approval for additional time to complete this issue properlyThank you in advance for your consideration [redacted] Loan Servicing Oversight Manager

Per phone conversation with Dana,Dana received additional billing charges on her most recent statement She advised that they are for expedited payments and they are considered "past due amounts" She would also like an explanation for these charges

[redacted] home mortgage is [redacted].  Again, [redacted] was never my insurance for this house.  I sent tim d[redacted] paperwork before closing and they still had wrong info on closing documents.  Also after 3 months, [redacted] still has my taxes wrong  My taxes are 2006 yearly.  They have 2040. They refused to pay [redacted] out of my escrow so I had to put it on a credit card.  Now I removed both my taxes and insurance from escrow.  Tim d[redacted] and union home mortgage had everything wrong from the beginning. Union homemortgage sold it to [redacted].  I have paperwork from them.  Why are they now denying have had my mortgage.  Take responsibility for your actions.  I will, I will

(The following was copy/paste by Revdex.com staff - LST)[redacted]From: [redacted]Date: Wed, Jan 24, 2018 at 4:51 PMSubject: Complaint [redacted]To: "[redacted]
ID [redacted]Good Afternoon Mr. T[redacted]Please be advised that our...

servicing area is in need of additional time to complete the corrections required for Mr. R[redacted]’s mortgage loan.  While the corrections are being made our servicing area is currently drafting a response letter.  We are asking your approval for additional time to complete this issue properly. Thank you in advance for your consideration. [redacted]Loan Servicing Oversight Manager

(The following was copy/paste by Revdex.com staff - LST)[redacted]From: [redacted]Date: Wed, Jan 24, 2018 at 4:51 PMSubject: Complaint [redacted]To: "[redacted]
ID [redacted]Good Afternoon Mr. T[redacted]Please be advised that our servicing area is in need of additional time to complete the corrections required for Mr. R[redacted]’s mortgage loan.  While the corrections are being made our servicing area is currently drafting a response letter.  We are asking your approval for additional time to complete this issue properly. Thank you in advance for your consideration. [redacted]Loan Servicing Oversight Manager

(The following was copy/paste by Revdex.com staff - LST)[redacted]January 29, 2018 [redacted] Revdex.com Serving Greater Cleveland [redacted] Cleveland, 01[redacted] Re: Case number: [redacted] Dear Mr. T[redacted] We have received your correspondence dated January 17, 2018, pertaining to Case Number [redacted] We understand the borrower's concerns and we appreciate you contacting us regarding this matter. Due to privacy laws specific to the mortgage industry, we are unable to provide or share loan level details of our borrower's account or provide non-public information to the Revdex.com. We want to assure you that we are working directly with the borrower to resolve this matter. A letter dated January 29, 2018, containing all of the requisite details related to this case was mailed to the borrower at the address of record. We trust the response has adequately addressed any concerns the borrower may have regarding their complaint. Accordingly, we believe this matter to be resolved. Should you have any questions regarding this matter, please contact me at [redacted] Sincerely, [redacted] Executive Resolution Analyst

Per phone conversation with [redacted],The consumer will be refunded the appraisal fee, and also the additional expedited payment charges.

---------- Forwarded message ----------From: Don G[redacted] <dg[redacted]@unionhomemortgage.com>Date: Tue, Apr 12, 2016 at 5:45 PMSubject: [redacted] Complaint ID#[redacted]To: "[redacted]@cleveland.Revdex.com.org" <[redacted]@cleveland.Revdex.com.org>April 12, 2016 Revdex.com2800 Euclid Ave., 4th...

Fl.Cleveland, Ohio 44115-2408Att: [redacted] Re: [redacted] complaint       ID#[redacted]  Dear Ms. [redacted];                                Some of the concerns mentioned in Ms. [redacted]’s complaint are difficult for us to respond to since the Loan Officer involved in this transaction is not an employee of Union Home Mortgage. The Loan Officer , Tim D[redacted] is employed by  [redacted] Funding Corp. Union Home Mortgage is the Wholesale lender in this transaction and [redacted] Funding Corp is the Mortgage Broker.  We wanted to make this point clear since we did not meet with the customer and have no way of knowing the content of the discussions with Ms. [redacted] or options presented. As such, you may want to contact Tim D[redacted] for those details.               We would also like to point out that Lee D[redacted] our Wholesale Operations Manager has tried to reach Ms. [redacted] on numerous occasions and left messages with no return call. We can confirm that we had challenges obtaining [redacted] transcripts for this transaction which were rejected due to the property address listed on the request form. These transcripts are required for Rural Housing loans and were ordered on multiple occasions.  Ms. [redacted] did assist us with this issue by obtaining a letter from the [redacted] which indicated that there was no record of a return for 2013 and 2014. In this instance, the borrower was not required to file tax returns since her disability income was non-taxable. Relative to the borrower’s comments…”the title officer was given wrong homeowners info and tax info by Tim and Union.”. “This has caused me unnecessary stress and raised my payment by an extra $100.00 a month.”  Union Home Mortgage closed this transaction based upon the title commitment prepared by the title company and insurance policy provided by the borrower. The borrower provided us with  Homeowners Policy [redacted] from [redacted] insurance with a total premium of $956.00. The title commitment provided indicated annual taxes of $2462.64 per month. This loan was closed on January 26th, 2016. Two days after the loan closing, Ms. [redacted] cancelled her Homeowners Policy with [redacted] and the agent refunded the premium of $956.00 back to the borrower.  On March 17th, we were notified by the Closing Agent that the tax information used at the time of closing was incorrect. The sub-servicer, [redacted] has subsequently corrected the borrower’s monthly payment based upon the updated tax and insurance information. At closing, the borrower’s monthly payment was $1015.67. The borrower’s payment was subsequently reduced to $938.57 based upon the updated information.  Since the borrower paid her monthly payment prior to the payment being reduced, we had requested that the borrower be reimbursed for the excess payment. We have been advised by [redacted], that the borrower was reimbursed $63.93 on March 17th. It is the goal of Union Home Mortgage to create satisfied customers with every transaction. As an independent mortgage banker our livelihood depends on happy customers for repeat business. In this instance we feel that we have tried to communicate with the borrower and attempted to resolve any concerns when they have been brought to our attention.  Again, since we did not meet Ms. [redacted] at the time of application, we are not privy to the content of those discussions or options presented.   It is our sincere hope that Ms. [redacted] is satisfied with our attempts to reduce her payment and seek reimbursement on her behalf. If I can be of further assistance, I can be reached directly at 440-297-2482 or dg[redacted]@unionhomemortgage.com. Sincerely,  Donald G. G[redacted], CMBV.P. of Operations   [redacted] Donald G. G[redacted], CMBV.P. of National Operations

In response to the complaint that the Revdex.com received from the insurance company regarding Mr. [redacted]’s loan we wanted to clarify a few misconceptions.  We do not ever require a consumer to choose one particular insurance company over another.  In fact, one of the...

disclosures that the consumer signs with us is that they are required to provide proof of insurance at closing but in no way does it state from a particular insurance company.   In this case the consumer was having difficulty getting insurance to us therefore we informed the consumer that without proof of insurance we would not be able to close the loan on the date listed on the purchase agreement.   We faxed over the mortgagee change request to the number we were provided but was unable to obtain confirmation as to when this would be processed/changed. We had a contract date and an expiring interest rate the same day to contend with. We were unable to obtain our Clear to Close until we obtained the correct mortgagee clause. At this point we reached out to Mr. [redacted] and explained the situation that there was the possibility that we would need to obtain a contract extension and extend the interest rate if we did not receive the documentation in a timely manner.  We reminded Mr. [redacted] again that we would need this information prior to close and it must have been at this point that the consumer decided to go with a different insurance company.     Michael J[redacted] t: [redacted] f: [redacted]