yourkiddin
Petty Officer 1st Class
- Joined
- Apr 10, 2008
- Messages
- 251
im a honorable discharged vet with a 750 credit score. i bought my house through charter bank. then the loan was sold to bbt financial. ive never been late but wanted to refinance. there is what is know as a streamline refi that vets can do. no money out of pocket. sounds like a great plan. i know this is long but wanted to give some background. anyway i went to bbt thinking this would be the easiest. its been two months and a battle with loan originator just to get phone call or e-mails returned. this really started when we tried to hash out discrepancys in the closing cost. when he would fix one there would be another. just when we got a close date and felt good about the loan, another problem comes up. we go to the attorneys office at 10am. only to be told that our property taxes of 1856.00 has not been paid. its now been added to our payoff on the hud 1. we have an escrow account. we pay it every month and its setting in bbt account. we are told if we wanted to clos, we would have to write a check for the tax amount. the loan originator was not there. we cant get him to return calls. my taxes was to be paid on nov 15th. im getting letters in mail and interest added on. he emails me this morning to say we can close at 3pm if we bring 700 dollars to closing. because our escrow account is short that much after the taxes were paid. problem is property tax office says they haven't been paid and the account is short 52 dollars. the other thing is i financed the 1st year of escrow in the original loan amount. im thinking i should be ahead a year. as i said i know this is long but any feedback would be appreciated. i just feel im getting screwed. they gave a 4% which drops loan almost 300 a month. i just cant make it to closing. and to start all over is going to be another headache.
