If you're doing a simple refinance, then you should have closed within 30 days, no longer. I'm not surprised though, not to rub salt in a wound. Hi flagbeachhouse, I have to say that the experiences that Embrace Home Loans gives their customers, is very frsutrating, and should be considered down-right criminal. I have filed for divorce, which had nothing to do with my loan, I have changed insurance companies which was advised by your agent, and now I am no further than I was 2 years ago. I can send that chain of communications I have had with your agent I am attempting to refinance. I feel that I am getting the run around and getting nowhere.
I have no insurance on my home as I was told that I was closing on a specific date.Įmbrace is the only company that is running my credit. We are now in January of 2015, I have a late report on my mortgage, my credit report says that I have numerous credit inquiries, and my home insurance has lapsed. At that time, I was told that I would close in two weeks. I wrote a letter to Embrace, and the process began again. When I began process (the second time) I was advised that I could the skip next month due to the fact that I was closing at the end of the month. The house was in my name only and acquired it before marriage. At that time, I was told that I needed to file for divorce before moving forward. I started working on this process of refinancing in 2013.
When I began the process, I had a credit score of 740, my home was insured, and was never late on a payment. Just to let you know, they did start recording their calls about 4 to 5 years ago, and I would maybe seek legal action against them, based on what you were told by your, um.LO An LO is not allowed to give legal advice, but hen again, you are speaking about Embrace Home Loans, which they're not really Loan Officers, their more like glorified telemarketers. Secondly, the divorce would have to be final, and the copy of the final divorce decree, signed by the judge, would have to be submitted before the closing can be finalized, and who knows how long that could take. If he/she refuses, then you would not be able to continue with the closing for the refinance. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.Who in the heck would tell you to file for divorce to refinance to your mortgage? The only time that may come up, even as a question, would be if you are married, and located within a community property state, where your spouse would need to sign the deed at the closing of a refinance, even if their name is not on the title of ownership. Data provided is deemed reliable but is not guaranteed. Real estate listings held by brokerage firms other than The Zecca Group | Illustrated Properties are marked with the IDX logo (Broker Reciprocity) or name and detailed information about such listings includes the name of the listing brokers. The data relating to real estate for sale on this web site comes in part from a cooperative data exchange program of the Realtor® Association of Martin County, Inc. Real estate listings held by brokerage firms other than The Zecca Group | Illustrated Properties may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. All properties are subject to prior sale, change or withdrawal. Copyright © 2022 BeachesMLS, Inc.īeaches MLS® All information deemed reliable but not guaranteed. This information is not verified for authenticity or accuracy and is not guaranteed. Should you require assistance in navigating our website or searching for real estate, please contact our office at 561.776.4452Īll listings featuring the BMLS logo are provided by BeachesMLS, Inc.
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