Everhome Mortgage Company

Everhome reported late payments on our credit report during to time they had us on a payment plan for loan modification. We never qualified (no one ever does) so we paid all the accumulated balance from the reduce payments. It has been over a year since this happen and Everhome refuse to remove the late payments reported to the credit agencies. How can they advise when and what to pay and still report you as being late even when you abide by their plans?

In June, 2010, I was rushed by ambulance to Aiken Regional Medical Center with acute shortness of breath. When I arrived at the hospital, doctors admitted me to the (ICU). Since I was a previous heart patient, I underwent treatment and more test. After being there for a few days, I remembered that I needed to pay my mortgage payment. Since I was connected to a lot of medical machines, I asked my daughter to use my debit card to make that payment. My daughter explained to EverHome that I was unable to make payment myself and still they refused to accept payment from her. A few days later, I spoke with someone from EverHome and was assured that everything was O.K. and could wait until I was home.

On the same day I arrived home, I called to make payment and was informed that my account was in the foreclosure department. During the time of my hospitalization, I was running a payment behind on this account and getting the payment in that they refused from my daughter was very important. I was never written a letter or received a phone call from EverHome to see if I could bring the account up to date before it was sent to foreclosure. Also, when I finally got in contact with the foreclosure department, I was given the foreclosure Attorney's name and telephone number. After the above statement, no one from EverHome would speak with me again. I found it odd that after years of speaking with me about this account, EverHome said that the account was still in my late husband's name and I was not listed on the account.

My husband passed on June 4, 2003 and Everhome bought this and other accounts from Irwin Mortgage Company in Illinois around late 2005 or early 2006. When they bought this account from Irwin, I am sure they were given a copy of my husband's death certificate, will, and personal representative papers that I used to deal with Irwin Mortgage Company. To date, I have mailed and faxed EverHome Mortgage Company these documents 3 times and they still will not speak to me about this account. They claimed that they didn't get the first 2, and claim that they now need a certified marriage license and death certificate.

My foreclosure cost me in excess of $7000.00 of which I didn't have. In order to come up with this money, I borrowed and sold my vehicle to keep from losing my home. In 2003, I paid $90,000 off this account which left a balance of $9,500 and now I still owe a balance of almost $14,000 after paying 8 more years. At the present time, I have never received an itemized list of the foreclosure charges from the mortgage company or the law firm they used. I was told by each of them that I needed to get that list from the other. I have never paid for anything, anywhere without seeing what I am paying for, but in order to save and preserve a place to live, time was running out and I had totally no other choice.

I sought help from many agencies and could not obtain the information from EverHome to see if they could help. After going through all that turmoil, my health became so bad that I ended up having open heart surgery. There is no scientific evidence that could prove that the sleepless nights, praying, crying, and almost losing my mind led to my back set with a weak heart. Since dealing with this company last summer, my life has not been the same.

Everhome Mortgage, through their employee ineptness, caused us to lose our home to foreclosure. We battled for nearly 3 years to get our 9% interest rate reduced through a loan modification, only to be continually denied a mod. They never sent anything in writing to explain how or why we failed, even though I asked repeatedly and then got HUD involved and they still refused! I would sometimes get an employee to read computer notes and always there was flat out, made-up income and debt info entered that caused us to fail.

For example, someone entered only $900 in total income then entered Home Owners Mortgage Assoc. fees and condo fees! Neither of which we have ever had! Also, Everhome would ask for the same paperwork over and over and over again. Even though I would re-send and re-fax every time and even when I mailed it certified and could prove that an employee signed for it, I was always told that the documentation had never been received.

The last two kickers are this: they actually granted a modification, placed us on a 3 month trial payment, accepted the first 2 payments, then returned the 3rd payment attached to a letter that told me I was making unauthorized partial payments and then threw us into default, which lead to foreclosure. The final kicker: we actually came up with the money to "buy" our home out of foreclosure and Everhome refused the money, telling us it was "too late". 3 days later, they auctioned our home off. And through all of this, I requested, for over two years to speak with a supervisor and never, not one time, did anyone call me back. Lying jerks, every one of them! How can they legally set us up on a loan modification payment plan, then just pretend they didn't grant anything, demand all back payments, then refuse them and foreclose anyway?

Was behind a month, they were suppose to automatically take payment out of my check account on a certain day. They took it out week early. So far 15 overdraft fees plus other fees by bank totaling $763. No one from Everhome wants to talk to me.

We have had our mortgage with Everhome for 3 years now and just recently refinanced to a lower interest rate. I have to say that Everhome has been nothing but professional, prompt and curtious. They even offered to enroll me in a mortgage accelerator payment program and waive the fee. It seems that when I read through all these complaints there is a common theme, every one of them the people are late making payments or are wanting to get out of paying their mortgage as they signed on to do. I would use Everhome again, they have made the process easy and affordable, some people need to look in the mirror before they blame others for their problems.

I tried several times to get my loan modified. Yes, we were behind. I asked if we could have the arrears put to the back of the loan. We were never given the chance. I lost my house in Nov. 2010. We were never served by a sheriff until the day we had to move.

I have been trying to get deferred payments or a repayment plan for the mortgage in my mother's name. She is 82 years old and I have been trying to keep everything caught up since she is on a limited income. One person says I am three months late and another says I am four months late. I tried to make a payment but EverHome would not take my money. I have the house up for Sale and they are still talking foreclosure.

I have sent everything under the sun to them to get this modification. Now they say they need an awards letter for her pension. She has been retired since 1995 and she didn't get an awards letter, they just sent her her pension. I sent her membership card and the W4 that she gets to file her taxes and these are not good enough. I have had nothing but trouble with Everhome since they bought this mortgage. When they first bought it, they lost a payment and said I owed them and so I had to come up with two that time. I can't believe that they don't work with people and take the money that is offered them. They would rather foreclose on people's home. Bad Company should be out of business. I am going to write my governor and also the President which I never do. Something needs to be done about EverHome Mortgage.

I followed the company instructions to the "T" for enrolling in auto payment pursuant to their website. Their instructions only had a note for credit unions to check the status of the account number on the check as it may not be the correct number. My account was with Fidelity Financial Services, which is not a credit union. The initial setup of the auto pay did not get applied correctly and they have charged a late fee and NSF fee to my account ($61.48). I have made repeated attempts to have them waive these fees, but they denied any responsibility. The account number on my check was correct, but according to Fidelity, some "institutions" require leading indicator numbers to process the auto pay. Their instructions did not call for the leading numbers.

My mortgage was paid in full on 8/22/2011. My PMI, which was paid in advance, was paid on 8/9/2011. Since this PMI payment was to be for September and the loan was paid in full 8/22/2011, I have requested no less than four times to be refunded for the overpayment of the PMI. Everhome does not acknowledge my letters requesting the refund and thus far has not refunded the overpayment.

I have been dissatisfied since Ever Home Mortgage bought my mortgage from the bank I chose to do business with. They have perpetually stuck me with late fees based on their time zone, when all business is done on a midnight to midnight next day change. They insisted on using their 5PM cutoff time Eastern, when I am in Central time zone. When speaking to people like Bernice, one of their phone representatives, you are treated as rudely and impersonal as their draconian methods of forcing people into business with them against their will. I chose who I wanted to do business with and these companies should not be allowed to sell you like some commodity on the stock market. I am not new to the game of life and I know how business is suppose to run, and their way is not it.

After four months of refinancing my property (something Everhome told me would take one month), they told me that Fannie Mae said I was not eligible and that Everhome could not and would not continue the process. This occurred two weeks before my balloon payment was due. Numerous calls to senior loan officers and up made no difference. All they said was that it was Fannie Mae's decision, not theirs.

The second problem I had was getting a payoff statement. I was told it would cost $20 to get one. Unbelievable! I was being charged to get a payoff statement that should have been free.

This caused me to rearrange financing in order to pay off the entire mortgage. Luckily, I was able to accomplish this. Everhome personnel was absolutely useless in my opinion and could only spout the party line. They charge for everything (I'm surprised they don't start charging to call them).

I tried numerous avenues to get a hold of the President of the company, but only got a customer service representative who refused to give me his name, address, and/or number. I guess that information is top secret.

Bottom Line: don't ever use Everhome Mortgage and if someone tries to get you to, run away as fast as you can.

I have been trying to pay my mortgage with Everhome Mortgage Company for weeks. I have the entire balance due. I have cash in hand, but they refuse to accept my payment. I have been advised by numerous agents of Everhome Mortgage of numerous repayment options. Each time I follow through on the "latest" option, I am refused the opportunity to bring my account up to date. This involves hours on the phone and multiple payment attempts daily! I am 2 months late. I have been trying to make payment going on for 2 weeks.

I am not exaggerating when I state that Everhome Mortgage has made it impossible for me to make my payment. The only logical conclusion one can draw from their actions is that they intend me to fail. This is in order to obtain my property after my 8 years of payments + my $40,000.00 initial investment. When requesting help from an Everhome employee, I am repeatedly referred to their "legal representative" with the authority to assist me in making my past due payments. This '"legal representative" requires all communication in writing. I have played by their rules as well, only to be put off until it is too late for me to bring my account up to date (a mere $3100.00). The vicious cycle of additional legal, late, interest and mysterious miscellaneous fees will undoubtedly change, before I am in a position to pay them in addition to the monthly mortgage.

Additionally, I requested as far back as 6 years ago. This was at a point when I had 40% equity in the home. I never missed nor was late with a payment for years. They eliminated the nearly $200.00 PMI fee attached to my mortgage. They have taken no action to date. They told me that it's under review with their 'research team'. That figure amounts to approximately $10,000.00. The trickery associated with Everhome runs deep. This is the same with the financial and emotional wounds associated with having to seek assistance for food from local community churches. I guess in the end, they'll win the house back. Because at this point, I'm just too tired to fight their built-in recipe for failure. After this sad affair with Everhome Mortgage, I will no longer invest in my community nor bring prosperity to those local businesses I support as a home-owner. Thank you Everhome for failing us all.

Everhome bought my mortgage in 2008 and were not cashing my checks and every time I would call, they would say they never received them. Finally I had to file a chapter 13 because of this. (I was trying to file a 7 but not current forced this.)

So then we started paying again and also stuck with trustee payments of the rears because of it. Three months into paying my mortgage, again they come at me for not paying August-December payments. I had proof of all cancelled checks but my attorney does nothing with my proof either and waits for them to have a hearing with their lawyer, then nails me with $800 in fees on top of extra monthly payments of $121 for six months to pay the fees then cashes my December payment the day after the hearing (they were holding it).

I stupidly continued keeping my mouth shut again, seeing as it gets me nowhere and pay their fees. I got a letter last August saying I have again defaulted and did not pay the stipulation payments for May-July and again I have proof this time thru bank checks but no one listens. My arm loan changes and Everhome sent me a new coupon book with new lower payment and I followed it as I always did.

I contacted my lawyer, heard nothing. Late December, I started getting foreclosure letters and they will not accept payment from me and til this day waiting for them to fix and apply my payment correctly. I came to find out while under the six months payment I should have never paid a different lower amount. I was never told that and Everhome should have never sent a new coupon book then because who is not going to follow it?

So now I see from my attorney all payments on my account posted months later. Why is this? Why can't they get a payment and apply it? Why all these three months later? Purposely to push foreclosure on people? So now I have had no choice because my home is in foreclosure to dismiss my bankruptcy and modify and they denied me as well saying payment will go up? How is that? And no other explanation or help?

I have thought about a legal malpractice suit but no money for that! So now I am trying a mitigation hiring lawyers, my last option or I have to file another chapter 13 seeing as there is no date yet but a foreclosure lingering out there. I cannot file a 13 again or I will have a huge trustee payment because of them and who's to say more issues again along the way.

I hope someone figures out all the wrong they do to people but I will tell you this: I am not giving up and they will not win! I despise them for all these sleepless nights and emotional strain it is causing on my family! All their websites with all the lies of helping people in need if they need it. **!

I was promised paperwork that never arrived. The company claims I am 3 months behind, am only 1. However, I can get no one to hear me or follow up on what they have said they would do.

I have been reading about all these complaints on this site about "Everhome" Mortgage Company and I just need to respond to these "alleged" infractions.

I have had "Everhome" for at least 15 years as my mortgage provider and I have to say that they have been superb in every way. Never once have I had a problem with this company. If I have a question or concern, they have consistently been professional and helpful.

If I should purchase another home and need a mortgage company, I will choose Everhome!

Last year (2010), we needed help with our mortgage. After owning our house for over 8 years, we started having problems because my wife lost her job and I am disabled. We were told the only way we could get help is if we missed a payment, then we would qualify for a modification. After a lot of trouble, turns out we didn't qualify.

Since then, every month Everhome calls to ask when we are going to pay. We always tell them the same thing and every time, the person says they will send out the modification paperwork. We have, on several occasions, asked not to get them since we didn't qualify. However, they kept sending them. In April, we went to make a payment and there was a $60.00 charge. We called and asked what is was for and we were told it was for them to fax us the modification paperwork (we have no fax machine). After talking to several people, finally we spoke to Eric and he refunded us the charge. Then last month, we got a modification paper in the mail. We called Mrs. ** and she said they don't charge for those. She was very argumentative and refused to let us speak to a supervisor. Finally, after I had to raise my voice, I was transferred. The supervisor I spoke to said we wouldn't be charged.

Then today (6-29-11), we get online to make a payment and there is another $20.00 charge for the modification paperwork. Again, we called and again told they don't charge for paperwork; but then we requested paperwork and that was what we were charged for. Once again, we had to fight with them to not get a charge. They told us we didn't have to pay the charge today and they would research it. We just feel like every time we turn around, they are charging us more and more fees. How can they expect us to get back on track if they keep charging us all these fees?

After months of fighting to save our home because of Everhome screw-ups, we finally get a modification from them. They dropped our interest rate which dropped our payment a little over $100.00 a month. We were already paying an extra $100.00 because they said our escrow was short before the modification. I have made all payments since the modification. But, today, I get a letter in the mail that says our escrow is short and our payment will be going up over $100.00 which puts them right back at what we were paying to begin with. So what am I to do now, still can't afford it just as before. Even if I find the money to pay the escrow up by their deadline, my payment still increase $75.00 more a month than what we agreed to.

Don't use Ever Home Mortgage! I needed to contact them regarding some problem I'll explain later. I could not find an email address on their web site. I then decided to fax them my complaint. I used the fax number listed on their web site, and none of the 7 numbers worked. The numbers were voice line, busy, or disconnected. How can fax be busy at 4 am PST on a Saturday?

The actual complain I have with them was that they charged flood insurance to my account because I have failed to provide proof of insurance. In fact, I have faxed and mailed the proof of insurance to the number and address on the letter I received regarding this matter. After that, I was still getting letters asking for the proof, so I finally called. The person I talked to on the phone told me they have moved. How this national mortgage company could not forward their mail, is beyond me.

I faxed the flood insurance document to the "correct" fax number, and the letter stopped. A few months has passed. I received new payment coupon to be used to send my regular payment. Somewhere in this coupon, it listed the insurance they have charged.

I filed Chapter 13 bankruptcy in July 2004. This included 5 payments to Opteum. I paid off the 5 payments included in my bankruptcy along with my regular monthly payments from September 2004 through today. During my bankruptcy, my mortgage was sold to Everhome Mortgage. In December 2008, my bankruptcy was paid off.

As of December 2008, Everhome Mortgage started reporting my current mortgage loan as closed. The only thing that was closed was my bankruptcy. I have continued to make my regular monthly payments however, my credit report does not reflect these payments. My credit report does not reflect my current mortgage loan. I have been making my regular monthly payments on time since September 2004 through December 2010. Yet these payments are not reflected on my credit reports. I have tried to get this straightened out but was told they had to report my account as closed.

I feel behind on my loan and had requested a loan modification. Sure, I had to fax them several times, each and every time them not getting them. Well in July, they supposedly had a sheriffs sale, no proof to me, not put in the paper either. I had called to try to get deferment papers, and was told I was already to late. They had already had the sheriffs sale.

I told them I had property in the home, the ** on the phone told me I had 6 months to go get my stuff and or refinance to reclaim my house, which would put me in Jan of 2011. I went out today 11-5-2010 and all my property has been destroyed without any notice of any kind. Everhome Mortgage, what can be done about this? My deceased son's toy has been thrown away or stolen as I see it. Everhome had purposely lied to me to get my home.

Everhome Mortgage bought our loan in February 2008. In January 2010, they raised our payment $100 because they weren't putting enough in my escrow because they never checked to see how much my taxes were so they said. My husband got his hours cut in June 2010. I called and asked about deferring a payment because we were having a hard time. They said we don't do that. So I sold some stuff to come up with the money, then when I made my July payment which was sent in plenty of time, they processed one day late which hit my credit. So when I tried to make the September payment, it was refused because it didn't include the late fees and they consider that a partial payment and they don't do that. So I tried to refinance, but I can't do that because I have late payment on my credit. I tried to get modification, but they can't do that because they said we make too much. So by October, I was trying to save every dime I can to catch up on payments because I am behind by 3 payments now. I tried to make a payment and they won't accept it because they need at least 2 plus all the fees. I have been faxing the same papers for over a month which I pay for every time I do because they didn't get them the first time. They called me and said they only received one of my papers. I have 15 days to get them, which is the next day. So I faxed them again and called to make sure they get them. They called me 2 weeks later and said we can't read any of them so I am forced to spend more time in between my 2 jobs and 3 kids to try to gather and fax them again.

I'm waiting with no idea what is going on or what we are supposed to do which has caused an enormous amount of stress on my family. Trying to find somewhere to move in a small town in the middle of winter is impossible because there is nothing and I don't know when they are gonna decide to help us or boot us.

I, Belinda **, and Terry **, a married couple, had been on a loan modification program to catch up on our payments that we paid from March 2010 till Aug. 2010, which we paid faithfully. After making August payment, I called the company and asked them what we needed to do to take care of Sept. payment. I was informed that because our income had not changed, not to send in another payment, because it would be considered a partial payment and they would not accept it. On Aug. 28, 2010, we received a letter stating that we have received your Home Affordable Modification Program. The following items are missing from your package and/or unsigned: 4506-T Form, Request for Modification and Affidavit (RMA), and copy of two most recent pay stubs.

On Sept. 02, 2010, a letter was sent explaining why this information was not included (in regards to the Home Affordable Modification Program package that we received today). 1) 4506-T Form: We receive non taxable social security benefits. We have not filed taxes in approximately eight years. 2) RMA Form: We did not receive a form with the last package we received. However, I am including the completed form with this information. We sent this information in again to the fax number that we were given. We called to confirm that the information was received and were given confirmation that it was received. On Oct. 04, 2010, a 2nd fax was sent with the same information that was sent in.

We talked to different reps that said the information was not received, even though we called after faxing and got confirmation that it was received. 3) We have not had an active checking or savings account for at least six months or more. Reason for hardship: Financial hardship due to cost of living increase. However, we did not receive a cost of living increase on our benefits. At the present, our 13-year-old daughter does not have medical insurance. Everything we get for her, including hospital visits, vision, etc., is paid in cash. There are a lot of fees, supplies, etc. needed for school that has to be paid up front. Terry and I are both on medications that insurance does not cover entirely, that we were not on at the beginning of the loan.

We have had car repairs, plumbing, and other home improvements which were all included in the letter that we submitted, with all information that they claimed was missing. On Monday, Sept. 20, 2010, I left a message with Joseph ** at **, ext **, stating that I had sent in all the papers again, that were requested to complete the modification application. And I left my home and cell number for a returned phone call. I never did get a response. On Tuesday, Sept. 21, 2010, I spoke with Everhome rep Terri. She said that she e-mailed Joseph **, saying that I had sent in the information on Sept. 02, 2010.

While on the phone with Terri, Joseph ** called her on another line and said that he received the email confirming information received. On Thursday, Sept. 30, 2010, our counselor from Credit Counseling of Central Alabama, Ms. Lucille **, spoke with Mike from Everhome. He said that the file had been closed because Joseph ** did not receive our bank statement or our 4506-T Form. Mike from Everhome said that as of Sept., 29th, 2010, the case had been closed. Joseph ** never said that even though we sent in a letter and also explained over the phone, we still needed to send in 4506-T Form.

Sept. 29, 2010: "We received a letter saying we received your request for loan assistance and thoroughly reviewed the package submitted. We regret that we are unable to approve your request for missing information that we had already sent in on more than one occasion. The information has been sent in to the fax numbers that we have been given. We have followed up on everything that we were asked to do. Joseph ** said that he did not respond because he did not receive information. How can he send us a letter or a phone call saying that the application was denied for missing information? When I talked to him finally, a few days ago, he said that the application was denied for missing information and he did not receive the fax. How could he send us this information being denied if he never received the fax?"

I gave my details under individuals call me **. I have all documentations and names. Thanks.

I bought my house with a fixed mortgage in 2004. My monthly payment is $12.000/month. After a year, they increased my payment to $17.000/month. I applied for a modification twice. They refused to give it to me when I lost my job in October 2008. I used to pay the increased until then. But after, I still send $12.000 every month. And now they put my house on foreclosure. Please help! Thank you.

On Sept. 2007, I relocated to the Cleveland area to be my mother's full-time caregiver after a debilitating stroke left her in a wheelchair. I was living in Columbus. I tried for 4 months to sell my home, with no interest being shown and upside down, by about $15000. I decided to let it go into foreclosure. My eldest son stayed in the house till October 2008. Everhome called me in early October to see if anyone was still living in the house. I told them my son was moving out on Oct. 14. The utilities were still in my name so I called AEP, AT&T and Columbia gas to have everything shut off.

Columbia gas called me in March 2009 to tell me that I owed $903.00 for gas for this property from winter usage. I told them I had the gas shut off in October. They said the meter was tampered with and turned back on. My next door neighbor, Laura **, kept careful watch over my house to make sure no one was moving in illegally because we had houses in the neighborhood where that had occurred. She saw no activity for the entire winter. Her other neighbor also left his house to foreclosure in November 2009 and she observed workers spending hours at his house. When she questioned them, she was told they were winterizing.

I believe the winterizer for Everhome tampered with my gas meter and called it winterizing. Columbia gas has sent my account to collections. I sent very detailed explanation to their collections company, only to receive a form letter response that was very vague and basically said I owed $903.00. I can't be the only person this has happened to. Please, someone help!

I sent in paper for modification. Three weeks later, I received letter in mail that it was sent to an attorney's office. When I called to find out what happened, I was told by Mr. ** that he dropped the ball. My information is still on his desk. He will send it to the necessary division. In the meantime, they are adding unnecessary attorney's fees to my outstanding balance. I was not allowed to make payments since July/August due to all the procedures and red tape. If I went into my 401(k), why can't I pay? Instead I have to wait for verification from the home solution group.

Sent in paper for modification 3 weeks later, receive letter in mail that it was sent to an attorney's office. When I called to find out what happened, I was told by Mr. ** he dropped the ball my information is still on his desk, he will send it to necessary division. In the meantime, they are adding unnecessary attorney fees to my outstanding balance, I was not allowed to make payments since July/August due to all the procedures and red tape if I went into my 401k why can't I pay instead I have to wait for verification from the home solution group. Stressed out, can't eat and sleep worrying about this.

We re-financed our home in 2005. Mistake, we now know. The loan was originally serviced by First Horizon. The first and the second home equity loan. In 2008, our first loan was sold to Everhome Mortgage. We believed that the paperwork we signed was a 5-year no interest loan, converting to a fixed loan in August 2010. In fact, we I called a representative from Everhome to inquire about the status of our soon to be expiring ARM, this is exactly what I was told.

Since my husband pays the loan, I did not look again at the paperwork until October 2010. Turns out that Everhome paid the insurance late again, so I needed to call and investigate. I asked my husband for the paperwork and discover, we are still paying Interest only. So, I call them to fix both the insurance payment issue and "interest only" confusion, so I thought.

Important points: I have been unemployed since April 2008. My husband has the only income, in the house, at this time. In February 2010, I contacted Everhome to inquire about a loan modification. Even though we lost about 50,000 in income, after I got laid off from my job, they claimed we did not meet the 31% means test for a re-finance. Since I thought our mortgage would be going into a fix rate in August '10, I did not pursue the manner any further. Our home is also about 30%-40% underwater, at this time.

Back to now. So I call Everhome to straighten out both of the issues outlined above. They claimed to have sent out the insurance payment on 10/8. I will have to follow up with the insurance company to ensure this. On the fixed rate, they inform us that we signed a 10-year ARM interest only, adjustable for 5 years, up to August 2015. I could not believe this! The rep. claims, it is in the notes. I ask to speak to the re-finance department. Now, mind you, I told the representative prior to the transfer that we were at least 30%-40% underwater and that almost everyone was in Michigan. The rep. states that he cannot help me and I have to be transferred to the loan department.

So, speaking to the loan department was a complete waste of time. One of the loan officers stated that we needed to come to the table with $50,000 to re-finance the loan. I tried to explain that:

3. We were not going to come to the table with $50000, when we do not have that amount.

At this point, he transferred me to the modification department, another waste of time.

The modification department told me we had one of two options:

1. Miss two months of payments to get help.

2. Try the 31% "means test" again to which we probably would not qualify, since the payment decreased by $115.00, when the ARM re-set in August 2010.

My vain attempts to present either of the two options above, I told the loan officer, were also rejected by this modification rep. Basically, in just, he told us after the rate resets in August 2011, if we could not afford it, we would probably lose our home.

We need help! If there is any attorney that is willing to look into this situation for me, we would greatly appreciate it. We are willing to pay our old payment of about $750.00 per month with principal, interest and a fixed rate, for the amount we owe. Everhome is not willing to even talk with us. It appears they just want our home, hands down. Looking at the paperwork, it appears the customer service rep, the first one, might have been correct with the loan terms but in reviewing my paperwork, I cannot find one document with an signature stating we agreed to this. All of our copies are without signatures. Interesting.

Also, there is no title, within the re-finance paperwork. We have it, from the original mortgage, but they are required to have it also, I believe. Guess what? I do not think Everhome has anything. I'm smelling scam and would like assistance. Thanks, in advance.

I have similar complaints as I am reading complaints of others towards Everhome Mortgage Co. I have been corresponding since May 2010 and have done what is expected. My monthly mortgage payments have increased $600 a month, then was told $400, then told the increase will be spaced the rest of the year. Each time a coupon booklet has been sent and has very questionable information, I have questioned. My credit ratings have fallen drastically in the interim. What is going on?

When it comes to complaints against Everhome Mortgage company and I do have them, you need to call 1-800-842-6929 and file a complaint against them. They are federal organization that's with Everhome Bank. I called the state Department of Finance and found that information because Everhome talk to you any kind of way.

Since June 1, 2010 I have been trying to get a loan modification only to keep getting the run around from them, saying they are missing documents that I faxed over six times.

In September, I got a foreclosure sale notice for October 5, 2010. Allison **, who finally assisted me after having to call the corporate offices, told me to wire a reduced payment on the day of the sale and it would stop the foreclosure sale. I wired the reduced payment, but on 10/10/10 a letter was taped to my front door stating that Fannie Mae now owned my home. I have been calling Everhome ever since and not getting any answers.

It caused emotional stress not knowing what's going on.

These are people trying to help each other, Everhome recently had to pay a fine, so Google them and mortgage fraud. Copy, scan, and email everything when you deal with these people, they are not making so many mistakes out of stupidity. They are crooks who know how to steal from you.

As far as I know, my house is in foreclosure (missed no payments) for $2200, while Everhome still has $2800. In January my balance was $4238; I paid $4800, they say I'm paying my own tax/insurance so the money disappeared into some escrow account or something which I never see, as usual since they never send me any mail at all. HUD says I'm in foreclosure so Everhome doesn't have to respond to my RESPA request, but Upper Marlboro courthouse has no foreclosure documents. I am very stressed.

My mortgage with Everhome was a fixed rate FHA loan. They foreclosed on this home without looking at the loan. My payment went up $300/month due to taxes/insurance they say. They simply forced me out of my home.

Back in Oct. 2008, we claimed Chapter 13 Bankruptcy and paid our payments to the Chapter 13 Trustee. I didn't get a letter stating that I was in foreclosing until March of 2009. I then sent over all of the paper work that I had gotten to my Bankruptcy lawyer and everything to be fixed. Everhome allowed me to start making payments again after they received a letter from my Bankruptcy attorney. At this point, I thought that everything was fixed.

In June of 2009, my husband hurt himself and we needed to convert our Chapter 13 to 7. When the Chapter 7 was finally completed, we were making our payments back to Everhome, again still thinking that there was nothing wrong with my mortgage. I could really go on forever with all of the calls that I have made, all of the lies that I have been told, all of the "we can get this on a payment plan" calls, the loan modification paper work that I was just told about on Oct 6th, and all of the paper work that I have faxed to them a number of times. On Oct 2nd 2010, I was served with foreclose paper work. The best part is nobody can give me a payment history.

Everhome states that the lawyer needs to get it to me and the lawyer states that Everhome needs to give it to me. I am an accountant that would be able to easily go back into where my money got applied or where it didn't get applied but Everhome wont give me a payment history! The bottom line is that Everhome has my money that I paid thru the Chapter 13 Trustee and now my loan is in foreclosure. This is just crazy. They are truly a scam mortgage company. I will be contacting a lawyer today to figure this mess out as I have been unsuccessful in doing so. I think that I should be able to send them my lawyer fees since this is their error. Wish me luck!

I could go into a lengthy explanation of what has happened to me since Everhome bought my mortgage, but it would be basically a repetition of what has been said here before. I've experience much the same. But the difference now is that my house was part of a divorce settlement. As such, my ex-husband has been allowed to make payment arrangements and foul up any on-going conversations I've had with Everhome. I've tried to work with them but every time I call, they say there's nothing they can do. I have asked my attorney in the past to get the phone and written records from Everhome concerning the dealings my ex has had with them.

Finally in April of 2010, he issued and sent by certified letter a subpoena, which was supposed to be answered in 30 days. So far, 6 months later, has not been answered. Everhome has refused to work with me in a reasonable fashion and I believe they are out for only one thing. To take my home and profit from the sale, leaving me homeless and without anything to start over with. I am not buried in this house, far from it. That's why it looks so enticing to them. You would think with as much equity as I have, they would be willing to make it a workable situation. But I feel that they have worked with the one party who has no monetary interest in the house and left me high and dry. Do we not have any recourse when it comes to these mortgage companies?

My husband lost his job and we fell behind on our mortgage payments. I've had the money to give them to catch everything up for a month and a half. However, they told me I have to get the total quote with the legal fees, which adds up everyday. I have yet to receive a call back and it wasn't until yesterday when I e-mailed the vice president, Ms. ** at **@everhomemortgage.com and threatened to contact a lawyer that I got a call this morning at 8:00 AM. The lady said that she is going to look into things and get back with me today. I'll let you know how it goes.

This article dated 9/29 was interesting. Everhome Mortgage made an escrow mistake raising my payment to $300.00/month. Long story short, the error was not found in time and they foreclosed my home. Everhome accomplished their goal. My home was underwater. I can't get any legal help, maybe someday. I lost family home, we're now renting. We've put thousands into rental home. Everhome will not compensate for anything because they state I was not evicted.

Everhome Mortgage company, at once bought our mortgage loan. We always paid them as we should until we refinanced the house. Sudden;y, this month they reported us as 120 days past due, foreclosure, and collateral sold as a consequence. We never had a foreclosure in our entire life. Our loan with them was paid in full, as requested, and had no problem whatsoever. This kind of report damaged us badly as Bank of America suspended our credit line and other banks denied our house refinancing. Our credit scores went down seriously; our credit report went bad. All because Everhome mortgage had our information to report false records. Please do not go to them for your business. Do not allow them to ruin you. Their report came from nowhere.

In April of this year, 2010, I received a notice from Everhome Mortgage Company that I needed to send them $325.06 to pick up an Escrow Shortage. I mailed the check on May 10, 2010. I called and asked them what happens if my Homeowners Insurance and Taxes were lower than they said; they told me to call back and I would receive a refund from my Escrow Account.

Yes my Homeowners insurance is lower, (in 2009 it was $1,427.30, in 2010 it is $1,123.56), I called Everhome Mortgage Company back and was told I could not get my refund until next April, 2011 when they do another Escrow Analysis. I received Escrow Refunds in the Years, 2009 and 2008. What do I have to do to get my refund now?

Everhome Mortgage company is definitely running scams. I read over several complaints, and the same thing is happening to me. I received a traditional modification, but they mailed the paperwork late and it had to be redrawn by the time I received it. They said I had to start the process all over. I filled out another app and sent everything they requested.

My sale date is on Sept. 7, and today, I called to follow up with them and they had the nerve to say I was still missing paperwork. I went through the faxed documents that they already acknowledged receiving and the paperwork they claimed not to have was sent in the fax (I kept the transmission report and it shows all pages were received). The rep told me to call back in 24-48 hours to follow-up, but my sale date is next Tues. and Monday is a holiday! All they had to do is re-date the papers and send them back to me. Three weeks later, I still don't have another modification package and none of my income/expense information has changed!

Be prepared to file a bankruptcy at the eleventh hour because Everhome will lead you along with a promise of modification right up to the foreclosure sale. However, if you go ahead and prepare your BK petition (just in case), you can file it the day before the foreclosure sale just in case the modification hasn't gone through. This stops the foreclosure and gets you at least 3 more months of time to get the modification. It's worked before.

Official BK forms are available on the Fed. Court's website for your jurisdiction. Even if you can't fill out the whole petition, call the clerk and ask what has to be filed in order to start a bankruptcy and get a case # (you are usually given additional time to cure any deficiencies and complete schedules, etc). Official Bankruptcy forms are on the federal court's website in your jurisdiction.

Foreclosure sale date on Sept. 7 and on Aug. 31, they are telling me they still don't have paperwork which I can show they received 2 weeks ago. I have prepared a BK Ch 7 petition to file on Friday, if they are still trying to play games with my modification.

For almost a year now, Everhome Mortgage has been charging me a late fee of $12.00 even if I'm just a day late. Everyone I know has a grace period of 15 days before a late fee can be charged. This fee was never included in a signed contract and I found out from a banker that it is illegal to do this. I called an attorney about the situation and they said that it would cost much more to hire a lawyer than it would be worth to file a lawsuit. Once again, the corporations get away with stealing and the consumer is not protected. If there ever is a class action lawsuit on this company I'm in. How about you?

My home mortgage was sold to EverHome about a year ago. I've paid all payments and part of those payments is for Escrow to pay homeowner's insurance and taxes. I received a cancellation notice on my homeowner's insurance last week and contacted the carrier - Safeco. They told me they had experienced this problem with EverHome in the past with other customers. They said EverHome will not notify insurance companies that they have bought the mortgage and need the information to pay the premiums out of Escrow.

The agent at my insurance company was really upset with them and said she had "had a run-in" with them several times about the same thing. She said EverHome told her, "It's the customer's responsibility to contact their insurance carrier of the change -not us". I'm guessing I'm in for a real battle getting this straightened. I have 21 days to do so or I will be forced to pay for insurance I've already paid for through escrow or have it cancelled at which time EverHome will almost surely make me pay for a high priced insurance that only covers them and will not cover me at all. I'll also bet that a call to the county tax assessor's office will reveal the same thing and I probably have a tax assessment against me now. I paid money into escrow and they refuse to make contact with anyone to protect their own interest.

I recently lost my job (first time in 35 years) and called EverHome for help. None was offered or given but I was instructed to continue paying on time or suffer the consequences. I will certainly end this relationship as soon as possible and never do business with them again.

I heard of loan modification in October 2007. I hired a firm, paid them $2500.00 to work out with Everhome. They put me on a trial payment. I made every payment they set up for me starting in February 2008.

Then on July 2010, I went to make my payment over the phone as I always did and at that time I was told that I made too much and that the amount was going to go up. I was put on part-time in July 2009 and am still part-time. No income increase, but the payment was increasing from $798.25 to $1026.13 and that I should have been paying this since April 2010. I also was to make up the difference of approximately $700.00 for the months of April, May and June. Today, I received a letter saying that my payment starting September of 2010 would be $1374.41. That is more than my original of $1236.00 before I got behind. I have fought to keep my home for the last 3 years and I am ready to give up and let them have the house. This problem caused emotional stress, destroyed credit, and loss of home. I owe almost triple of what I originally paid for the house.

I have been trying to have a modification on my Home Loan since September of 2009. I was behind on my payment and was told by my mortgage company that I would have to pay half of my payment for six months. After six months, I would be considered to have a modification on my Home Loan. I was told by Ever Home that starting April 1 2010, I would have to pay my mortgage payment while the modification was being considered. I had no problem in making the payment and made all the payments before the due date. During the three months that followed, I checked with the mortgage weekly to make sure that they had all of the materials that they had asked for in April and I was told every time that the modification was in review.

Ever Home never allowed me to talk or communicate with the person that was reviewing my file because if they had allowed me to check with the person reviewing my file, they wouldn't have thrown my file out on 6-25-2010. They said at the time that they didn't have my tax return, which I had been faxed to them 3 different times. I checked with them every time and I was told that they had received every time that I had faxed it. On 6-30-2010, I called to make my July payment. At the time, I was told that Fannie Mae had changed the rules and wouldn't allow Ever Home to receive any payment while a modification was being worked out.

They told me the only payments they could receive is a payment in full of what was delinquent on the loan. I tried 3 more times to make a payment and was refused every time. Because of Ever Home refusing the payment, on July 8 2010, I received a foreclosure notice that gave me a 9-7-2010 sale date. This has clearly been a case of the left hand not knowing what the right hand is doing.

On the 8-11-2010, I talked with Dana **, Intake Specialist at Fannie Mae Mortgage Help Center. I wanted to see if I could receive any help from them. When I told her what Ever Home had told me about Fannie Mae's rules being changed, she told me that I had been lied to and no such rule had been changed. She instructed me to ask the mortgage company to show me in writing where the rules had been changed. I called them right after I got off the phone and asked them for the proof in writing.

They told me that I would have to make the request in writing in which I have. Also, while I was talking to Mrs **, she asked me if all of my paperwork had been turned in. I told her that I had to hire Mrs. ** to help me with my paperwork. Mrs. ** was told on 8-5-2010 that a case worker had been assigned and all the paperwork that they had requested was in the file. Mrs. ** ask me at that time if they had pulled the sale date. I told her that they had not. She told me on 8-11-2010 that they had enough time to review the paper work and postpone the sale date. When I talked to the mortgage company and told them what Mrs. ** had said about the postpone of the sale date, they told me that they would not postpone the sale date unless the modification had been approved by Fannie Mae.

I have had to seek council of a Bankruptcy Attorney Chad ** to help me make a decision on what my plain of action will be. I do not think that it is right to force a family into bankruptcy because of a company's inability to work with a client that is ready, willing and able to get a workable solution to the problem. I will not be like so many other Americans and walk away from my home. I will file bankruptcy if this sale date is not removed in time to stop the foreclosure. I have called Johnny ** office to see if they knew someone at Fannie Mae that can be made aware of my store. I'm sure that I am not the only one that this has happened to. I talked to a Closing Attorney friend of mine that has a friend that has the same mortgage company and he described the same story to him, so I'm sure that I am not the only one this is happened to. I would appreciate any help that you could give me.

My mortgage payment is due on the 1st of the month. I have always paid it online using EverHome's website. When I tried to access their website on Sunday, August 1, 2010, it was not available. (I made numerous attempts and repeatedly got the same message.) On Monday, August 2, 2010, I was able to log on to my account, but I kept getting timed out. Finally, on Tuesday, August 3, 2010, I was able to make my payment, but they charged me a $12.00 transaction fee because it was not made on the 1st.

I tried to explain the circumstances to the representative I spoke with, but was told that the fee could not be waived. I then spoke with a supervisor who advised me that I had other options available to make my payments - mail (I don't have a coupon book) or through my bank's bill paying service. She also told me that it was the company's policy to assess the fee even though the payment date may fall on the weekend regardless of whether or not their website is available.

My complaint is based on the fact that their website was conveniently unavailable on Sunday, August 1, 2010 and I kept getting timed out on Monday, August 2, 2010. Although the supervisor finally agreed to refund the fee to me, she did tell me that in the future, the fee would be charged if the 1st falls on a Saturday or Sunday. Under these circumstances, this policy can be quite lucrative for EverHome when you consider the number of clients who may be impacted by the policy. This is so unfair to the consumer.

My mortgage was purchased by Everhome in November of 2008. Prior to that, I had the best mortgage company ever for 10 years. Early in 2009, Everhome refunded to me my entire escrow account. I questioned this and was told that the previous company had put too much into the account and that it was illegal to have that much coverage. I still didn't buy it, but they insisted. In March of 2010, Everhome decides that they made an error and that my escrow account is $2700 short. They gave me less than 30 days to come up with the funds. I did not have that much cash so they upped my payment by $300 per month. I called them and told them this would put me in a financial bind and their response was, "Too bad, so sad."

I've been trying to make the payments, but it's gotten harder every month. Half of my monthly salary now goes to Everhome. I was late by 2 days last month and they sent me a form to fill out wanting to know how I spent my money. They wanted to know how much I spend on gas, food, clothes, etc. I threw it away. When I tried to make my payment, they would not accept my money until I gave them a reason for being late. I told them it is because you raised my payment too much. Bottom line is that I am refinancing with Bank of America because there is no way I'm going to be forced to sell something I've worked so hard for because they are either too stupid to figure escrow correctly or trying to rip me off. Anyone who has the misfortune of dealing with these people has my sympathy. Get out if you can.

My husband and I have a second property (vacation rental) with a mortgage that was bought by Everhome. We have owned the property for 10 years and paid the mortgage faithfully. Recently, we switched over to automatic bill payments from our personal account. I am not sure how, but apparently the past two months were not paid. I am a teacher and have been traveling since June 12th. On July 28th, I finally started reviewing my accounts and noticed a 5/14 payment date for Everhome and none subsequent.

Needless to say, I was quite distressed and immediately called the company, explained my situation and paid the two months. Here is the issue: I never received a phone call, email or US mail payment overdue notification. I would have paid immediately if made aware of the delinquency. My credit rating will have a two months delinquency hit because I was not notified and allowed to rectify the situation.

My original mortgage which was less than a year new (New South Mortgage)was sold to EverHome Mortgage. It actually took a couple of months and a letter from my bank to find out that my last electronic payment had been rejected for me to find out. I set up a new electronic payment through my bank and made my payments faithfully and now I find out that my last payment to EverHome was rejected and I owe a new payment amount that is considerably higher. What gives? Because of the lack of correspondence from this company, I am having to do research to communicate with these folks. The phone number on my payment book is always busy and the phone numbers on the website gives you a digital person who takes your phone number for a call back. Very frustrating!

The Loan Officer performed unethical selling practice that was dishonest and shameful. Everhome Mortgage has practiced mortgage fraud. I was a first time home buyer with a good income and credit score. When I signed up the mortgage payment with Loan Officer, Dejan, I specifically told him that I do not want escrow account in my mortgage over the phone and he agreed with it. Later on, after closing my house, I did not realize that the 500 pages closing documents that I have signed does include the escrow account.

In my first year, I paid regularly my monthly mortgage for $1,100. In the second year, my mortgage increased to $2,000 due to the escrow account. I requested the company to waive the escrow account, so that I can afford the monthly payment of $1,100. I called the customer service around 8 times, and every time I called them, they act like they're trying to solve my problem and giving me the false hope. Sure enough, after 7 months of battling the escrow account, the company would never waive it, but they did reduce it to $1,650. I am really sick with this company and their unethical business practice and they keep charging extra fees for their own mistake.

I will not recommend anyone to finance their home with Everhome Mortgage. This company has so many complaints about their practic and customer service. Please google "Everhome Mortgage Review" before you sign up with them.

I have tried to contact the Loan Officer, Dejan, about 5-6 times, and have left 3 messages but he doesn't have a ** to call me back and denies his unethical business practice.

Just when we thought all the scams had been identified and only those who couldn't pay were being targeted, a variation on the crime/scam is now taking place. Here is how Everhome Mortgage is attempting to steal my house and/or additional money in bogus foreclosure fees.

In February of this year I called Everhome Mortgage to discuss the fact that I had missed a payment in October of 2009 & January 2010. All other payments were over payments by $25. I'd recently had an $11000 pay cut and taken on additional living expenses when my company asked me to relocate myself to New Mexico. I asked if there was anyway to lower my payment via a refinance but was told that having a late payment on my record would disqualify me. The Everhome Mortgage representative asked me a series of questions about my income. She said I should qualify for a $63 mortgage reduction. Honestly, I didn't think that was much help at all but figured a $63 reduction is better than no reduction. My understanding of the program was that the past due 2 months & the month of March would be rolled into the back of the loan. She didn't guarantee my approval but based on my income thought it shouldn't be an issue and said the payment could be made on any day of the month as long as it was in that month.

At the end of March, I went on medical leave and in April I made my 1st payment. I called Everhome Mortgage to let them know the documents requiring my signature should be sent to the my home address in Arizona rather than my P.O. Box in New Mexico. When the docs arrived on April 22, the dates of the trial months were March, April and May. I called Everhome immediately to inquire whether I needed to pay March. I told them I thought March was being rolled into the back of the Mortgage but if not I could catch it up. The representative said he was noting the account that I was paying April, May and June. He said they would let me know if they were no longer going to consider me for the modification. I paid the agreed upon amount in May and June. Mid-June I got a note in my mailbox that someone wants to buy my house since it is in foreclosure status. This is how I found out the home was in foreclosure. When I called Everhome I was told I didn't qualify and that the notice went to a P.O Box in New Mexico.

Still no speak of foreclosure. The next guy I spoke with said I didn't qualify because of the missed March payment and the fact that my debited May payment cleared their office June 2. While I was talking with him, he confirmed receiving June's payment as well. I apologized for the misunderstanding and stated someone should have contacted me. My house went into foreclosure when they had had payments for each of the months discussed. Again, I told him I would pay the difference in modified and original amount, which would have been $190.23 plus October, January and March, $3,676.83. My bank records will show that I have $3605.14 in checking and $300 in savings. Now that's all the money I have. It's not much but it was set aside to bring my account current should the modification. I still maintain the money in my account to cover these payments.

The representative informed me that there was no way to reinstate the loan other than another modification application. I called his supervisor and she said that information was incorrect, that I could contact the attorney that is auctioning my home. I had received a letter from them that very day. The supervisor told me I would have to pay $6100 to reinstate the loan. She said the attorney also has fees and I would have to call them for that. I called the attorney office and spoke to John. He did have any information. I asked what the payoff balance, what it would cost to reinstate the loan, etc. I gave him my cell phone number but never received a call.

When I called back, I spoke with the lost mitigation department. I was told by Pat that it would take $9100 to reinstate the loan. She emailed me a document forwarded by Everhome which stated I had not paid my mortgage in February, March, April, May, June or July. This was June 25th. I'm already delinquent in July and it isn't even July yet. Then there is a list of no less than 11 additional fees. I have bank statement that show I not only paid each of those months but one. My February payment was $74 extra and for most of the prior two year I paid $40 dollars extra. That's an extra $945, give or take and now they want my house.

I have paid every month but the one month that they advised me not to pay, and the June month they returned when I brought it to their attention that they had been deducting the payment from my account every month. They actually returned the automatic payment to my account and proceeded with their strategy. After denying me the opportunity to pay the one month, they told me not to pay and ignoring the monthly payments that they automatically deducted from my account, they are demanding $9000 from me to get it out of foreclosure, where it should never be in the first place.

The Everhomes lawyer, Tiffany & Bosco Law Firm, is intimidating and harassing me, and causing me a great deal of physical and emotional distress by plastering Notice of Trustee Sale signs on my house. It frightens me when uninvited strangers come to my house. I don't know if they are coming to read signs or break in. Everhome Mortgage Company is out to steal my home. The incentive is clear. The amount owed on the property is below market value and would turn a profit to them if they could steal it outright or charge me a bunch of bogus expenses, including lawyer fees, and filing fees. I wonder how many other home owners are being coached into foreclosure. This is a crime in progress. Would you please put a stop this fraud/scam/crime now?

My Balance WAS 4200 in Jan.; 2222 - sent Everhome 4000+ this year (they only applied 2000 to my principal and 2000 into their escrow -- of course no statements or communications, but I have me payment history from their wensite not mentioning these payments to escrow -- 1111 to other); no credit for last payment and foreclosing on home now! I have missed no payments and they returned two payments (added over 300. to late fees)

I already wrote a complaint against Everhome Mortgage and since it still hasn't been resolved I wanted to let everyone know what they should do so we can fight this fraud company. This will take a couple of phone calls and time but worth it. This makes a difference. Please contact the FBI office in Florida and place a complaint they already have a bunch of them and I think they are investigating them. Contact the Better Business Bureu in Jackson Fl and file a complaint. VERY IMPORTANT File a complaint with The Department of Banking and Insurance for your State and the Office of Thirft Supervision in Washington DC they have websites. Also contact your Senator and Congressman they have a specific department for this. I also contacted all the local TV news departments in my area. Someone will have to hear us and investigate this company we can not let them keep our homes, we all have families and want to pay what they are doing is wrong.

Everhome increased our pymt in 2009 supposedly due to escrow...which wasn't the first time! In Feb 2010 I called to make payment by phone and it was refused, and I was notified our home was in foreclosure. We had no idea! Each person we spoke to told us something different, one stated we were 6 months behind but I had a bank statement to prove otherwise... and over the past 4 months we have been through emotional help. They finally did a loan modification and raised our payments AGAIN but we have not received any coupon books or anything, they just keep saying to send our payment and our modification is still in process? Don't know how it even happened and is it EVER going to get better? They also raised our loan balance from 97,000 to 101,000. This has caused severe stress and excess money we don't have. Our loan balance has increased along with the payment I feel they are screwing us!

I have been going through the loan modification process for over a year. I applied for a loan modification (in June '09) due to a significant decrease in income and a need to lower my monthly payments in order to keep my home. Prior to and during this process I have made each and every payment in full and on time (except for the 6 months in which I was put on a partial payment plan and then I paid as agreed).

I have a representative helping me with my modification. Together, we have been extremely thorough in the modification process. Any time EverHome requested information or documents, I or my rep sent them to EverHome immediately. If an EverHome rep called, I took the call or called back within 24 hours. I received a letter stating what documentation was missing or incomplete in my modification process and I immediately sent the requested info to EverHome.

Following "completion" of my modification application, I was told repeatedly by several different customer service reps at EverHome that my loan was in underwriting and it would be 30-45 days to receive a judgment. Both I and my rep called every week to check the status. Every time, we were both told that no further information was needed on my part and my loan is in underwriting and a decision should be made any day now.

After not hearing anything, I began to call the EverHome case manager for my file. I left several messages asking for updates, none of which were returned. My rep called on Friday, June 11 and she was told everything was fine. I called on Monday, June 14 and I was told foreclosure proceedings had been started. I was also told the reason for this was that I was missing two documents, thus my loan could not be reviewed for modification.

Upon further investigation and discussions with EverHome, they acknowledged that they never sent me a request for this necessary documentation. I received an apology, but foreclosure proceedings had already been started.

Furthermore, because foreclosure proceedings were started, EverHome is now rejecting all monthly mortgage payments I make. That means, they report to me to collections and my credit is damaged significantly.

EverHome is now working to re-open my file and pull me out of foreclosure, but this could take up to two weeks. I don't have two weeks! I've been working on this for over a year!

In addition to this modification nightmare, my five year fixed loan changed to an ARM on 6/1/10. On this date, per my original loan documents, my payments were to be applied toward principal plus interest. EverHome's system conveniently reflected an interest only loan until 2015. I had to fax over my documentation stating otherwise, which they then admitted to their mistake.

In my opinion, EverHome is absolutely incompetent and negligent. Banks are complaining about a "lack of compliance" from consumers seeking assistance, yet I, who have been nothing but diligent and cooperative, have had nothing but problems and a lack of cooperation and competence from EverHome. It seems to me that EverHome isn't interested in helping me, but more in making this process so impossible that I will give up. They'll get their money either way.

I am trying to set up automatic payment on a loan that has been recently purchased by Everhome Mortage Company. I have repeatedly been given false or misleading information by this company. The individuals that are staffed to answer the customers needs are robotically trained to never be proactive & resolve issues. They merely restate without pause their training jargon. I have been attempting to get this resolved for 3 months...currently they should have all my paperwork in house but refuse to attempt to locate it.

The website is not allowing me to access our information & requires a waiting period for an authorization to be put in for access to our account....this never comes through so we are stuck!

My complaint is against Everhome Mortgage Company. I refinanced my mortgage in 2006 through a broker and received a new loan through Flagstar. Several months ago, I received a sudden notification, that my loan had been sold to Everhome. I was given no opportunity to decide if this was an organization I wanted to do business with. My payment record with my initial bank, Wells Fargo, had been perfect as was my record with Flagstar. Once transferred to Everhome, I have been in a nearly constant state of confusion and distress regarding my loan. I am unable to get satisfactory customer service, most particularly because there is no one to speak with on the weekends, and I work a full-time job.

I have been assessed late charges, which is clearly going to impact my credit record, and can never seem to resolve the situation with a customer service representative. To make matters worse, when I try to log on to their system to pay my loan, including their unwarranted late charges, I am denied access, and told that my loan number/SSN/property zip code do not match. This fact being absolutely false. I repeatedly input the correct loan number, SSN and property zip code.

My credit record is being negatively impacted, and I am unable to conveniently make a payment. I am denied access to my account online for the reason noted above, and when I call their "automated" system, I receive a message saying that they cannot access my records. At this point, the damage to my credit record is huge. I have the funds to pay my loan, I have the desire to do so, their system is blocking me every step of the way.

My complain is against Everhome Mortgage. My Husband and have lived in our home since 1994. Two years ago I lost my job and my elderly parents moved in with us. I also have 2 small daughters. I was fortunate to get a job working from home but my salary was 60% less then what I was used to.

Our Mortgage payments were $3,680. After a year we were unable to pay such a high mortgage, so I called Everhome and asked them if we could enroll in a home modification program. They sent us all the information. We sent everything back and attached all the paperwork they needed. In June of 2009 we were put on a 3 month trial period paying $2,029 a month. We made all our payments on time. After the 3 months I called Everhome and asked them about our payments since the 3 months trial period was over and they said to continue to pay the reduced amount of $2,029 and everything was ok.

On April 26 we received a call from Everhome saying they needed to update our financial information. My husband supplied all our information over the phone. We asked the representative how long would it take to process and he said around 1 week. Three days later we got a letter in the mail. The letter was dated April 26 the same we had the phone conversation, which meant they never processed our information. The letter said we were denied due to our monthly expenses exceed monthly income and now our mortgage payments were $4,128.60 per month and we owed $40,000 ASAP or they would start foreclosure procedures. If we could not pay the original mortgage payments of $3,680 how on earth could we pay $4,128.60?

How can they call us after 10 months of being on a Home Modification program and say we were denied and double our payments? The trial was only 3 months. Everhome did it on purpose so we would loose our home.

Everhome was know as 1st Alliance and in 2002 they had a 60 Million Dollar Federal Lawsuit against them for doing what they are doing to us now.

We all have to get together and fight them. I contacted my senator and congressman and I have filled complaints with the NJ insurance and Banking and the Thrift counsel. Please do the same

I paid my mortgage in full in June 2009. I received a mortgage release, satisfaction and discharge paper from Everhome with the wrong names and wrong legal description of the property. I spoke with a customer service rep who in turn asked for me to fax the papers to them that I had received. She also gave me the name Adrienne E. Adrienne E called me and asked for me to fax more information, which I did. These faxes were sent on February 1, 2010 and February 3, 2010. I have yet to hear anything so I called once again.

I spoke with a Pat who was very rude when I asked to speak with her supervisor. I was informed that they are trying to get a release from Bank of America. I really and truly don't believe the loan was ever under the auspices of Bank of America but "they" are saying it was. I finally spoke with an Elizabeth who was supposed to be Pat's supervisor. I asked for the name of the person at Bank of America and was told Tina O. I asked for a number to contact and Elizabeth didn't have one.

I asked when Bank of America had been contacted and how. She said Adrienne had sent Tina an email on March 2, 2010! I am furious. I received no help whatsoever. I was told that it would take 10 days for a response when I first sent the fax. Elizabeth has now informed me that it could take 45 to 60 days for the matter to be resolved.

Everhome Mortgage Company cashed my money order on November 12, 2009 for my November payment and as of today they have not posted it to my account for a payment. They say they never received it. It was a government money order issued by the USPS. I paid to have the money order traced which was indeed cashed by Everhome. USPS mailed me copies of front and back of the money order. I explained to many many customer service reps. I faxed it over to them and still nothing. They say they will get to it as soon as they can. Not good enough for me. If it was me that owed them money, they would have demanded it to be paid right away.

This has been going on long enough! It is my money! I have had nothing but problems since they have bought out my loan (not by my request). If I could refinance with another mortgage company, I would! I was told due to the economy, my home's value has dropped and there is nothing that can be done at this. I would love to change mortgage companies.

I have been making my monthly payments since then but when I faxed the proof that they cashed my money order, I requested that they applied it to the January 2010 payment but they have not done that yet. It will be 30 days late as of February 1st and I do not feel it is fair for it to be on my credit report. Can this be reversed? I am desperate for advice and action! They sent us a letter stating that we were behind on our payments and a payment plan or other options are available to prevent foreclosure.

Our mortgage was sold to Everhome in 2005. It has been one nightmare after another with these people. I'm never talking with the same person twice, never receiving the same story twice. In June 2009 we notified them that we were beginning to experience financial difficulties and asked for a home modification. We applied and were and have continued to be strung along, lied to, given hope and then find out there was no hope and no help. We are now 3 months in arrears after believing their lies, and are facing foreclosure because of their lack of communication and deceptive practices. We have had to call them all these years to find out whatever we needed to know.

As far as the modification was going they have never once contacted other than them demanding we pay the money we are in arrears. We pray that you can help us before we are homeless! The stress of this last year and dealing with this company has brought on a financial hardship, a physical and an extremely emotional one for my family.

I have an escrow account with Everhome for property tax and hazard insurance. They failed to pay the supplemental property tax. When I notified them, they paid and also paid the late penalty from my escrow account. The customer service representative was clearly skilled in deflecting responsibility and would only respond with, "well, that's a different property tax that we didn't have a record of". Well, duh, or you would have paid it. Still, why should I get stuck with the penalty? They are responsible for paying all property taxes. That's what I have an escrow account for. I am taking this to small claims court, it's only $500.

Tax Escrow held (by Everhome Mortgage) for paying of "2011" taxes is being held (in excess of $800). This is an OVERAGE from paying 2010 property taxes. Everhome refuses to return, refund or credit this amount to principal. They also refuse to pay interest on the funds which they are holding illegally. Each month I am paying "in" to escrow. These payments to cover 2011 are included in the Jan-Dec 2010 payments. This overage is over and above that.

This is a National scam which needs some press attention. If they do this to a million people, it is 800+ Million Dollars, earning interest in "their account". It is simple larceny! $867 plus interest for the year 2010 There should be a class action lawsuit

In September we received notification from EverHome that they had not received our Mortgage Payment. I put a stop payment on the check that had been mailed to them and sent by FedEx over night a replacement check. Then a week later I received the original check back from Everhome with the notation "Loose in mail" it had also been date stamped on the back of the check 09/10/09. It was considered late on 09/16/09. I had written two faxes asking them to reverse the late charges, which both times I received letters say no. On 10/21/09 I sent another fax with a copy of the back of the check asking Everhome to reverse the late charges, as of today they claim they did not receive that fax, so I resent it again today. After looking at complaints about this company on the internet I think this is something they do quite a bit.

Since Jan. 2009 I have each month received automated phone calls saying to call them back. I have a home loan with them.My loan is due on the 1st of every month with a 16 day grace period. The 1st time I called them they said that it was just a random call. My payment was received on the 3rd of last month and I still got a call. I called this month and before I could even speak the lady was very rude treating me as if I were a criminal and informing me that if I was 3 days late from the 1st that I would be turned over to collections, I had my payment book in front of me & told her what it said & she kept interupting me & telling me that I was wrong. I finally hung up.

I called the FEDERAL TRADE COMMISSION and filed a complaint. I had an issue with everhome about 3 years ago also they said that we were late on a payment even though I mailed it and I cancelled that check and payed over the phone & 2 days later they said they didn't get that one either. Our PMI was just about to fall off and I think thats why they did that. I called the Federal Trade Commisson and the Attorney General and Respa about that one & they took it off of our credit report & refunded us money. They are definetely fishy. The best thing that could happen to them is to have a good company buy them out.

nothing so far other than I ordered copies of my credit report to make sure they didn't put anything on it.

I have been disabled since 1997,bought my home in 2001. I receive $792/month after deduction on SS;my mortgage payment is $627/month.

I let them know it had been sent from Travelers. A week later I received another letter from Everhome stating that they are going to assign another home owner's insurance to my account b/c they have not received proof of other home owner's insurance. Travelers called Everhome again today and refaxed the decleration page...same response 24 hours to process. Travelers asked Everhome to make a promise to pay so that my ins with Travelrs will be deliquent b/c the premium has not been paid since before the Mortgage was transferred. Everhome refused to make a promise to pay even though they are well aware that they Travelers is my insurance company. Now my home owners ins is in jeopardy b/c Everhome won't make a promise to pay. This is not my fault. I make my mortgage payments every month. Transferring the mortgage was out of my control. Yet, b/c the two compnaies have a problem communicaitng, I am at risk to loose the home owners ins, and then the mortgage comp will default the account with very expensive ins.

In September 2005 I realized my balance was lower then the charted amount. I contacted Everhome, requesting the lower pmi payment. Was told put it in writing and send to their research department, would recieve a written response in 10 days.

Thirty days later, I recieved a response refusing to eliminate my pmi. I called them and said I did not ask for elimination, I asked for the reduced amount per the contract. I made that clear in my letter. I was verbally told " it is all or nothing."

I contacted the BBB in Jacksonville, and they contacted Everhome, Everhome sent me a letter and what they state seems like fraud to me.
Here is what their response to my complaint was. ( this was sent to me by Susan De Luca, and recieved on Febuary 20,2007) I am quoting straight from the papers.

"The PMI Disclosure does not reference a reduction in the premium amount. The PMI company's records reflect a fixed monthly premium of $257.77 and do not reflect a premium reduction. The amortization schedule you provided reflecting a reduction in PMI premium does not agree with the PMI Disclosure statement you signed at closing. We are unable to honor the premium reduct ion as an amortization schedule is not considered a contractual agreement.

For this reason. we respectfully deny your request for an adjustment or refund of the PMI."
The PMI disclosure does not make reference to reductions, but on the same tolken it does not make mention to a fixed rate either. It states nothing except that pmi can be requested for elimination at 80% or must be removed at 78% of scheduled balance.
PMI disclosure must be attached to the amortization charts so the customer can see where they are, and when their payments will be eliminated.
Everhome will not follow the amortization chart to lower my pmi payment. But will use it to deny elimination.

I am not looking for elimination, just the lowered amount as the charts state.

There are many other problems I am having with this mortgage company, but that is the main one.
I have attempted to refinance, even with Everhome, but they just flat out refuse to work with me.
My mortgage was originally taken out with Flagstar Bank, who after raising my payment ( escrow shortage) sold me to Everhome. They have had my mortgage since March 1st 2006. I have never once missed a payment, never been late. There is no reason for them to be so unreasonable.

The Federal trade commission put First Alliance Mortgage out of buisness, and slapped them with a $ 60 million dollar fine for Predatory Lending. First Alliance moves to Florida, and becomes Everhome Mortgage!

Last fall (2005), my mortgage payment booklet ran out. I anticipated receiving another booklet shortly. When I did not receive one within a month, I sent my next payment with a note showing my current address and asking that my name be corrected on the loan as well. Physical address of home had not changed - I receive mail at both street address and a P.O. Box. I made a copy of the check and note and sent it to the address listed on Everhome's web site (for payments). I also called the customer service #, but each time I was disconnected (too many calls). The check I sent with the note was not cashed.

Out of concern that the check was just sitting somewhere or in the wrong hands, I cancelled the check. I continued to send payments to the same address, but none were cashed. Upon checking the Everhome web-site, I became aware that they had an address for me on file that was incorrect. It was in another state, where I have never lived. In early February, I sent a letter to Everhome's customer service address in Jacksonville, Florida (payments went to CA) explaining that this was my second request for them to fix my address and to find out why my checks were not being cashed, etc. That letter went unanswered and the check attached to that letter also was not cashed. I finally was able to talk to a customer service rep who told me she would change the address over the phone, and gave me instructions on how to change the name on the loan. I asked about the last letter and check I sent and she stated it could take up to "30 days" for them to respond to it because they get so many. She then told me my account had gone to collections, but they were closed. I was able to reach someone at collections two days later.

They could tell me absolutely nothing other then to call a local attorney. During this time I noticed that my on-line access to my mortgage info was denied - I had been checking it regularly to see if the address had been updated, etc. I also attempted to make a web-payment, but the system would not allow it. I contacted the attorney's office and was told that they did not have a file on me yet and that it was very new in the process. I requested a reinstatement amount. I also sent them (per this office's request), copies of the letters I sent to Everhome, as well as a copy of one check I sent, plus the stop-check note from bank, etc.) I have now received a reinstatment amount includeds foreclosure fees and others as well. If they had no file yet, and I was contacting their office on my own to fix this problem, which I feel was caused by Everhome, I should not have to pay foreclosure fees, etc. The attorney at this office is now playing middle-man.

I have been trying to contact Everhome for months, and now the only way I can 'communicate' with them is via this attorney's office. This is not resolved yet, but I have a feeling that the steps I took to contact them and the efforts I made to continue paying on this mortgage will go ignored.

On December 8 received a letter dated November 15 indicating Dec 1 mortgage payment was to be made to a new "servicer". Did not get name of person, but she said the post office had applied the post mark of Dec 05, but the letter had been mailed on November 15.

Almost thirty days after the original announcement I am supposed determine if supplemental insurance carries over to the new servicer. Additionally, I now have to verify my home insurance carrier has been informed about the changes. Why aren't mortgage companies governed by regulations that dictate timely communications if they transfer mortgage servicers? My mortgage payment does not have that flexibility. It looks to me like the original mortgage company sold the mortgage and basically washed their hands of any responsibility to the customer.

3) Attempted pay by phone, but was first told there would be $12 processing fee again. I did get them to wave this.

-I feel this is all suspicious activity, all designed to coerce me into setting up automatic payment, which is, of course, to the loan servicers advantage. This all may be coincidence, but if others are having similar complaints...

The Ever home Mortgage Companys (Alliance Mortgage) error in computing my lot # as 17.5 not 17.3 has resulted in your use of my escrow. In turn, my mortgage has in creased nearly $300.00 in the less than two years. Although they were able to correct the computing problem earlier this year and locate some of the missing funds, there are still outstanding monies not located, thus resulting in my negative state of my escrow.

The Better Business Bureau has contacted you and still has not received any response.

I have been in contact with them since December 15 2003 when this problem happened.

According to my records, these problems have had to occur around the time when I was sold to Wachovia Bank (formally known as First Union Bank).

I have sent Everhome mortgage company my copies of sale and purchase of my home to me, including the title search which support that all taxes were paid and there is no lien on the property prior to my purchase.

This matter has been a hardship to pay an extra 300.00 especially when my taxes only went up 60.00 and this matter is not my fault.

I have made every effort to work patiently with Everhome. Please help me in anyway you can.