Land Home Financial Services

Initial Business Response / [redacted] (1000, 5, 2015/09/17) */ We are pleased to announce we were able to come to a mutual understanding and agreement with the complainantWith client service our number one goal, we are very thankful this process was able to help us further define what that really means not only to us but our valued clientsThank you to the Revdex.com for providing the portal for this resolution Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/18) */ (The consumer indicated he/she ACCEPTED the response from the business.) The so claimed vice president of the company, Mr [redacted] ***, reached out to me with a phone call, and indicated that he decided to give me a full refundI am waiting for my check to arrive at the moment

Initial Business Response / [redacted] (1000, 5, 2015/02/18) */ Dear [redacted] , I apologize on behalf of Land Home Financial Service, Incfor any communication that you felt was harassmentThat is never our intentionOur goal is ensure you are informed of our policies in an effort to avoid penalties Please see below for our formal response mailed to you from our servicing departmentPlease let myself and/or Tina know if you have any questions regarding Land Home Financial's response Please note that LHFS is the servicer on behalf of the investor, [redacted] ), LLCAs we understand, you are disputing this debtPursuant to your request of validation of debt, to request a validation of debt, you were required to do so 'within the thirty-day period" after receipt of the debt validation noticeAs such, because the 30-day period has long since expired prior to you sending the aforementioned request, you are not entitled, under statute, to such validationHowever, since you are requesting such validation, enclosed are the following loan documents, which provide the validation/verification of debt: Notice of Assignment, Sale or Transfer of Servicing Rights Fixed Rate Consumer Note and Security Instrument Fixed Rate Disclosure Statement Allonge to Installment Consumer Loan Security Agreement Copy of Recorded Deed of Trust Assignment of Deed of Trust We trust the enclosed documents are responsive to your requestShould you have any further questions, please do not hesitate to contact me directly at the number listed below and/or our Customer Service Department toll-free (877) 557- Sincerely, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/02/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did mail a validation letter to them with a tracking # [redacted] for USPSThey refused to receive itI asked the following questions: Proof that you either own or were assigned the debt from the creditor Proof that you have the right to collect this debt in my state Proof that your company carries a bond Proof of how your company assessed the outstanding debt Payment history from the original creditor Name and address of the original creditor Copy of the original contract bearing my signature 8.Address of the property this statement refers to This was sent 2/5/The first "bill" I received was dated 1/20/and was mailed to me on 1/21/My validation request was mailed to Land Home Financial Services, [redacted] I have proof of all of this [redacted] Final Business Response / [redacted] (4000, 18, 2015/05/15) */ Dear [redacted] , This is to acknowledge receipt and final response to your most recent inquiries received May 13, on the referenced loan and propertyWe appreciate the opportunity to respond Please note that Land Home Financial Services, Inc(LHFS) is merely the servicer on behalf of the investor, [redacted] As a servicer, the information that was mailed in our previous correspondence is all the information that was provided to us by the investor (***) of the loan Any further questions regarding the validity of the debt and the documents above, must be addressed with the investor of the loan, *** [redacted] can be reached at the following address and phone number: [redacted] Please feel free to contact our service department with any further questions regarding the process to validate this loan; however actual validation needs to happen via ***(LHFS's Phone number, email and mailing address included in mailed correspondence.) Final Consumer Response / [redacted] (4200, 20, 2015/05/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Does this mean you will stop sending me your bogus bills? [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/04/27) */ We regret the part our policies have played in delaying this borrower his access to the loan funds he is requestingAt Land Home Financial, our goal is to ensure each and every check and balance of the loan process is adequately reviewed and measured for success - not only for Land Home Financail, but most importantly the borrowerIn an industry stricken with loose standards, we have taken a steadfast approach to our checks and balances We have never lost contact with the borrower in questionWe continue our efforts to come to a mutual resolution with the problems at hand within this loan scenarioCurrently the burden of work is lies with the borrower, and we are awaiting a response on his desired future direction Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) All documents requested for the refi were fully submitted by Feb 20th LHF failed to submit to underwriting until March 24th Underwriting failed to issue a HUD so we could sign docs for the refi until YESTERDAY April 27th Failing to fund or complete the refi in a timely manner created a significant delay and hardship for the purchaseIt delayed the purchase escrow by almost weeksIt almost caused the purchase to fail due to the DTI ratio being off as the refi had not yet completed According to every single professional lender I have been in communication with and according to the real estate lawyer I have been communicating with, the LHF practice of pausing the refi when a purchase is being considered is not only a lousy practice but completely unheard of As a result of the refi not being completed in a reasonable time period, I ended up with a highly undesirable FHA loan which is cost me an extra $5,in closing costs to buy down PMI and will cost me an extra $188/month for months which works out to over $46, An additional expense is the cost of having to hire contractors to complete work I was expecting to have time to do during the weeks I should have had before being forced out of my current residence LHF thinks that by buying down the rate on my refi by 0.125, that they have resolved the issue I am still not able to occupy my purchase and the issue is not resolved A resolution to the issue would be to either pay me the $55,it is costing me for LHF negligence, or to turn the purchase into a conventional at no cost to me at a rate of 4.00% or better The lawyer I have been in communication with is very excited to begin this case at no cost to me but I would like to resolve this matter without costing LHF the expense of a court case Final Business Response / [redacted] (4000, 9, 2015/05/15) */ Mr [redacted] , With the mention of legal action, we cannot further engage this conversation via this communication channel Thank you Final Consumer Response / [redacted] (4200, 11, 2015/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) With this pathetic non-response and an obvious failed effort to attempt a resolution, the next step is to wait for a positive response

Initial Business Response / [redacted] (1000, 5, 2015/06/01) */ Thank you for the opportunity to respond to your complaintWe empathize with your frustration regarding the standard operating process to cancel the Private Mortgage Insurance (PMI) and the appraisal requirementIt is a must we adhere to, and ensure certain policies are in place in order to protect and be in compliance with all interested partiesStandards for the removal of PMI differ from agency to agency, each having their own strict benchmarks for what warrants a removal We thank you for your patience while we researched your specific situationWe assure you that we take all complaints seriouslyOur review of your loan has determined that there has been no illegal wrongdoing in the requirement of an appraisal to determine and execute a final evaluation to cancel the PMI on the loan in questionAlthough we understand your loan recently funded in January, the purpose of a current appraisal is to ensure the property has not lowered in value With that being said, we have made an exception; as a result of the recent large down payments to principal, a request has been made to remove the PMI from your loanWe expect the removal of PMI to be effective July 1, Additionally, regarding the service you experienced, we value your feedback and regret your dissatisfaction in speaking with our client service agentsPlease be assured that our calls are monitored, and our senior management has reviewed all calls to ensure that they were properly addressed Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 8, 2015/02/03) */ Is it not every day a client plays a major role in addressing a business's process and proceduresGiven the scope and breath of Land Home Financial Services, Incwe pride ourselves on offering the best products and services we can to our vast, diverse audienceAs regulations, laws and business procedures change; we at times develop practices that over reach their intended audience and as a result can cause confusion We sincerely apologize for any confusion, unrest and concern we have cause the borrower in questionThe information she was provided via mail was incorrect and contradicted what in fact was factual information and advice provided by our loan coordinatorWe would like to extend a humble thank you to the borrower for the role they played in helping us bring this issue to light We have reached out to the borrower explaining the misunderstandingWe look forward to clearing up the confusion and moving forward on the same page

Dear Mr***, Thank you for the opportunity to address your concerns Due to the sensitive nature of your compliant we have mailed a detailed response to your home address in La Jolla, CA Please review the letter and reach out to us with any further questionsWe trust you will find our response satisfactory per your requested resolution Sincerely, [redacted] *** Communications