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  • Report: #103513

Complaint Review: Hope Advantage Realty, Countrywide Mortgage

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  • Submitted: Fri, August 13, 2004
  • Updated: Sat, August 07, 2010

  • Reported By:Concord North Carolina
Hope Advantage Realty, Countrywide Mortgage
8307 University Ex. Prk. Drive, 4724 Sharon Road Ste. 2K Charlotte, North Carolina U.S.A.
  • Phone: 704-717-7522
  • Web:
  • Category: Realtors

Hope Advantage Realty, Countrywide Mortgage ripoff Refused to refund earnest money after interest rate was over maximum contracted amount Charlotte North Carolina

*Consumer Comment: Robin, Make sure to 'Google' this- COUNTRYWIDE WHISTLEBLOWER REPORTS LIAR LOANS, and watch that video on the web....

*General Comment: not a rip off

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Agent was acting as dual agent for myself and sellers. Sellers refused to fix some major issues with house.

Mortgage company did not lock in interest rate after doing the Good Faith Estimate and Pre-Approval letter. Once the application was submitted the interest rate went from 7.625% to 7.75%. The contract was written for the interest not to exceed 7.7%.

In reviewing the paperwork done by the mortgage company we found the number of years that my husband had been employeed with his employeer was incorrect my 3 years!

We were also asked to pay up front for appraisel cost. After attaining legal advise we were told that should be included in closing costs.

Robin
Concord, North Carolina
U.S.A.

This report was posted on Ripoff Report on 08/13/2004 12:27 PM and is a permanent record located here: http://www.ripoffreport.com/r/Hope-Advantage-Realty-Countrywide-Mortgage/Charlotte-North-Carolina-28210/Hope-Advantage-Realty-Countrywide-Mortgage-ripoff-Refused-to-refund-earnest-money-after-i-103513. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Robin, Make sure to 'Google' this- COUNTRYWIDE WHISTLEBLOWER REPORTS LIAR LOANS, and watch that video on the web....

AUTHOR: Karl - (USA)

and let everyone you know about it, okay?

Thank You

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#2 General Comment

not a rip off

AUTHOR: brownsong - (USA)

I can't say anything about your other problems, but I have bought many houses and I have NEVER had my appraisal fee including in closing costs. I have ALWAYS had to pay for that up front, because the appraiser, who is not affiliated with the mortgage company, works independently and needs his money. So I don't believe you when you say that you sought legal advice and was told that. That's just baloney, and if you will come on here and slander a company by telling outright lies, I wonder how much of the rest of your story is true.

Also, sellers are under no obligation to fix anything. If they want to, to make the sale, fine, they can, but they don't have to. It is their house and they can do what they want. It is not yours until you sign the papers. Also, many numbers can be thrown around when applying for a mortgage, what matters is what you agree upon at the closing table. The mortgage company is telling you what their terms are, if you don't like it, go to another company. Or negotiate with them until agreeable terms are reached.

Sorry to sound rude, but you were not ripped off. Unless all the terms were changed AFTER you went to closing. Before, you can always back out.
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