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    1. A

      Escrow Amounts Collected

      What is the name of your state? NV I know that lenders are only allowed a certain amount to be held in escrow. My question is, is it their responsibility to keep track of these amounts and adjust them or issue refunds when necessary? Our company only pays out $930 total on our behalf in taxes...
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      Changing Mortgage Closing Terms

      What is the name of your state? Nevada Last year Countrywide bought our loan from another company. In our closing documents, Section 5, it explains the Annual Maintenance Fee. It states it is $100 per year, unless two conditions are met, then it is waived. The conditions are maintaining a...
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      Any Laws Governing HOA Board Members?

      What is the name of your state? NV I am on my HOA Board and wondered if there are any kind of laws that regulate Board members? I know you can vote them off as an option. But on our Board, we have a President who just does whatever he wants. We will get together and officially vote on topics...
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      New Mortgage Co. Fees

      What is the name of your state? NV We have 2 loans on for our mortgage. On the 2nd smaller one it was sold soon after we closed, from Americorp to Countrywide Home Loans. We of course did not agree to this, they just sold it. Now Countrywide is adding on extra fees such as a $75 annual...
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      Escrow for Homeowner's Insurance?

      What is the name of your state? NV Our loan has been sold about 5 times in the year we've had it. The current co., America's Servicing Co who are known to be basically rip-off artists, sent us a letter stating they have no proof we have homeowner's insurance. Which is outrageous b/c the loan...
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      Escrow Payments

      What is the name of your state? NV I don't know if everyone's escrow is the same, but ours goes thru the end of June. We overpaid by about $700. I called the mortgage servicer, America's Servicing Co. who have a very unreliable reputation, and was told it was paid in July. That supposedly...
    7. A

      Assigned Parking Spots

      Well I still have to park there too. I was going to do one of the tenant only parking signs, but figured they'd pull it down. So I think I'll print one from my computer on heavy stock. But I would think there should be some recourse, don't know what though.
    8. A

      Assigned Parking Spots

      What is the name of your state?What is the name of your state?What is the name of your state?NV Hello. We are living in a condo complex that is being renovated, thru the end of summer. We have ONE assigned spot by our unit that is legally in our deed and closing papers, that is the only...
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      Countrywide mess

      Great, one of my mortgages just got transferred to Countrywide too and I've already noticed a mistake on their part.
    10. A

      Mortgage loan sold

      What about this poster being charged a fee? Is that legal? My loan has been sold 3 times in 4 months! This last time shows 2 late charges for me as well, which I also had auto deductions and made no late payments. Wasn't charged a fee either, but there is a note of a late payment.
    11. A

      Mortgage Mistake

      This company wasn't Americorp by any chance was it? We had about the same thing happen from them. Went to closing and signed all the paperwork. Our loan was $105,000 at 6% for 3 years then variable interest. The payments were supposed to be interest only for 3 years then interest plus...
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      Went with other offer...now being charged

      Just had to say...what a jerk! Good luck w/ that.
    13. A

      Refinanced, now original mortgage co says i owe them money???

      It's not Americorp is it? Just wondering...we've been having shady stuff like this from them too, such as changing our loan terms 2 months after closing.
    14. A

      2nd Mortgage Still Not Sold = No Payment Due?

      Actually, the letter says it was sold, but it wasn't. It says that the new co., City Wide, would be sending me a payment booklet and instructions, which they've sent me nothing, no address or phone # or anything. When I call Americorp they say it's "in the process of being sold". This is for...
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      2nd Mortgage Still Not Sold = No Payment Due?

      What is the name of your state?What is the name of your state?What is the name of your state?NV Hello, for our mortgage we have 2 loans. During signing we had to sign that it was ok for the company, Americorp, to sell both loans. The higher one is sold and fine. For the lesser one we...
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      Changing Loan Terms Month AFTER Signing?

      Actually the loan docs were totally wrong from what we agreed to at signing, but not what these new ones say. If they can change them then customers should be able to also. At signing we got a bait and switch. When we got the g.f.e. we agreed to 30 years fixed, the higher at 6%, the lesser at...
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      Changing Loan Terms Month AFTER Signing?

      Hello, yes we can't refinance for 6 months, that's in the contract too. The 6% for this loan for 3 years was fine for us, this is our first property. We didn't really need a lawyer before. Paperwork doesn't have a due date, but I did notice all the paperwork I need to resign has the date of...
    18. A

      Changing Loan Terms Month AFTER Signing?

      Hello, I do not have $$$ for an attorney, that's why I didn't get one at first when they all pulled their other stuff. Has this happened to anyone else? Is it legal to change contracts after they're signed and then tell you to resign?
    19. A

      Changing Loan Terms Month AFTER Signing?

      NV Hello, we've had absolutely nothing but bad service and dishonesty since starting our condo buying adventure. Please see my previous posts for examples. Anyway, we got 2 loans for our condo, the one for $105,000 is a fixed for 3 years, then adjustable for 27 years. We signed the papers...
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      Bait and Switch? - Rate Hike at Signing

      Hello, yes it was a day or 2 from closing for those new fees. But they estimated no taxes at all, no HOA, no insurance. That did not equal the amount they raised the closing, but the junk fees sure did. Faxing, mailing, administrative, etc. fees for both the mortgage co. and title. It's just...

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