All this information was uploaded to the dashboard and a hardcopy of the PDF report was provided via email to the loan officer who confirmed the documents. I got an appraisal the following week, the same week a termite inspection in which it was found two small areas of the foundation concrete had termites. At the beginning was smooth and I provided what they needed to upload to the customer's dashboard. The loan officer was and still is (maybe) Donald W. This was around November 8th, 2021 or so (today is January 14, 2022). I decided (was a mistake) to give my mortgage company PennyMac another break and try it again. I received circa early November an email from PennyMac about low interest rates, et etc. I found out later she never even scheduled for a home appraisal and took my credit card. I could not deal with her after 2 weeks of lies, interest rate as low as she said, and I asked her to break things down, and she ignore answering my questions back. She was horrible and did not replied to my emails and ignored my v/m, I had to follow up with her after 3 days, she said the phone were down for 3 days which to me being a c-level IT engineer I found her excuse unacceptable. I started back circa Sept 23rd with Miranda N, loan officer. Sit back and enjoy the show of this horror movie. The sad part my VA mortgage was later sold to PennyMac. This is the worst experience in my life for a refinance. This is their greed and they should be ashamed So when looking for a mortgage company look elsewhere if you want to be treated fairly and honestly. So we now want to cash out and pay down all our debt and want to refinance my home to cash out, but PENNYMAC will not do VA refinances for VETERANS loan modification in the past 18 months NOT a company I would trust and they seem to be using veterans as they don’t really care what the situations are, and anyone who makes an internal policies to eliminate the most needy like this and then insist they are doing this for the veterans are not a good company to use or accommodating. This ultimately hurt me and my future as I did not need a loan modification. These lending companies must be getting some benefit (kickback) from the federal government to do mods instead of offering refinances.
#NUMBERS FOR MAC REVIEW MOD#
I ended my deferment as soon as I found a new job and the lender talked me into a Loan Modification BUT should have just done a refinance instead, but was mislead by my lender into doing a mod instead. I am a retired vet and had to do a derferrment in 2020 due to COVID and a job loss. I am a retired vet and they will not refinance