Premier Home Mortgage

Initial Business Response /* (1000, 14, 2015/08/10) */
The *** loan file is a difficult one because of several factorsMrs *** is difficult to deal with, and I suggested it would be better for us to comunicate with Mr ***He is the actual borrowerHe is much more rationalHe
has stated that he will contact your office and withdraw the complaintHe understands the process and is being very cooperative
The loan process is a difficult one, and is often indicative of how buyers will pay their mortgageThe *** file has been a challenge, but should end with a closing in the next few weeks, I hopeI do not have the last say on the loanThe underwriters must decide whether they fit the guidelines and are a good riskGiven their past history, the underwriters are being extra careful
I have responded to every call and email from the *** in a timely mannerI can't, at this time, schedule a closing-because the file is not cleared completelyIf, and when, this happens, I will promptly schedule a closingI have suggested several times to the *** that they are welcome to withdraw their file and I would gladly give them all their information backBecause of the particular lender that we had to use for their situation, it has taken longer than most all of our other dealsI know that this can be frustratingBut filing a complaint with the Revdex.com will not get anyone a home loanIt is a process that can be difficult, and time consumingThe *** unfortunately, must do what everyone else has to do in this marketThat is jump thru the hoops, and work within the perameters of the FHA Loan program
I hope this satisfies your requirements for a response
Initial Consumer Rebuttal /* (2000, 17, 2015/08/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)

[redacted] called Premier Home asking for an FHA loan that would allow him to replace the windowsIn his house. Premier is listed on the FHA website for 203K loan programs that allow for home renovations. This loan is a refinance loan with the renovations added to the loan balance. He did not State...

any other program and Premier Home does not have another renovation loan programs. When he called went over the specifics with him of the 203K loan program and told him what documents would need to process the loan. issued the paperwork and they signed the paperwork and Started to Send the paperwork in through our Loan website. A week later, he sent me an email with a link of pilot program from 2010 which had expired in 2015. This program is no longer available and we are not listed on the FHA website as having the program available.The interest rate listed on his paperwork was not a locked interest rate. The interest rate listed on his paperwork is a qualifying interest rate for the FHA 203K program. The loan amount listed on the application included the Cost of the renovation, the payoff of the existing mortgage and closing costs that would be incurred. The appraisal would be ordered along with the renovations for a value in which we would loan on that value. I did not hang up on [redacted]This loan has been cancelled and his check for the appraisal was void.Jeannie L