I wish I had never fall for there offer Ameriquest Mortgage co. first they told me they will get me 6.5% rate and closing cost will be not more then 1800.00 I met the rep in his office everything seems ok I signed 68 pages that day provided him with all the documents he asked for.
He guaranteed me that we will close this loan in 10 days he advised me not to worry about the mortgage payment to my mortgage company we will pay it off before it is due. after 2 weeks I got panic my mortgage was due in a week I called AMC rep and he said he got all the papers ready so come in and we will rap this up I visited his office one more time. when I got there and read the documents it was not what we dicussed I have signed 35 pages already then I told him these numbers are wrong he said he was sorry then he took the papers left the room and came back after 1 and a half hr.
then again I signed half of the papers and they were wrong I have a habbit of reading each and every document before I sign . I been in his office 4 1/2 Hrs I had to leave he poromised he will fix everything and I can com back next day and sign. I called him the next day he never answer I couldn't get hold of him for 2 days then on friday he called me and said , I am sorry I had to go out of town, I know your mortgage payment is due in 2 days so lets get this loan going I can see you saturday , I agreed took a day off from work went to see him, to my surprize the building was empty nobody els was there but, me and him I got scared, but I had no choice then he brouhgt about 158 pages for me to sign. prior to this day we had a discusion about the prepayment penalty that there will not be any, and there was not on the document by the time i got done signing all those document my hand start hurting I made sure I read all the papers my intrest rate was 7.5% but they jiff me with 9000.00 closing cost and no prepayment penalty.
after I got done with a that he told me to wait while he will xerox copy the documents for my record. It took him 3 hrs to copy those papers and I was dying sitting in this 5 x 5 room so when he came back i took the folder from him and went home. Next day I end up going to chropractic for my hand it swelled up. I looked at my documents after 14 days just for the heck of it I seen that very page where there was a X mark on prepayment penalty, I called AMC and asked for derrel the rep who I was working with for this loan he was not answering the phone I went to his office and confront him and I called him a lier and cheat he looked like he was sorry for what he did but , his manager came in and took over the conversation and threaten me. Then I took the matter to there main office in Orange, California the lady told me to refinance again with them with no 6 months prepayment penalty she even sent me document to relaese them from any future complains or damages to them. meaning I will have to pay another $9000.00 to refinance with them.
then I took the matter to OBRE they got the same forged document with my signature and I gave up. I thought this is no win situation I lost 18000.00 just by getting loan from Ameriquest Mortgage Company. I wish everybody involved with this company pay for what they did. Nobody was willing to listen to me, now they know I was right. I work very Hard I got ripped off because that was the time i was going through financial difficuties., and that,s what they took advantage of.
Rifi
schaumburg, Illinois
U.S.A.
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